YESTERDAY, WE PRAISED THE O'MALLEY administration's foreclosure-recovery package as a vehicle for reform and some relief for homeowners.

On our Web site, baltimoresun.com, brstevens, from Baltimore, wrote: Again, personal responsibility and accountability are completely ignored in this entire mess. I think the only thing we need to do is to make sure prospective buyers are given a reading comprehension test to make sure they're literate enough to read their contracts before they sign them.

Woody Woodruff in Washington saw an opportunity: Local governments could take a role with programs to add rapid value to homes - especially overpriced McMansions and the like - with variances to convert a section of such a home to an apartment.