The July 20th 2009 shows that the mortgage system is still dysfunctional. One of the mortgage brokers who "specialized in the exotic mortgages that have proved most prone to sliding into foreclosure" is now selling dubious services for those struggling. Mortgages must be sold on a share economy basis, they must be based on a function of earnings, and bailouts and mortgage modfications must be approved by a sortition jury. Peter S. Goodman, "Cashing In, Again, on Risky Mortgages" The New York Times, July 20th 2009, Vol CLVIII, No 54, 742, Page One and A12