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Sen. Barack Obama (D-Ill.), on a swing through Southern California this week, talks about home loans and credit card companies with Gustavo Lizarde, left, Mimi Vitello, center, and Carlos Garcia, right, in the backyard of Vitello's Van Nuys home, which she bought with an interest-only loan. The presidential candidate noted that foreclosures could cost California's economy $23 billion, and he blamed the federal government for not regulating lenders. Genaro Molina / Los Angeles Times