Who is to blame for the current financial crisis in the US?????

Democrats. I believe it started when the banks said bad credit no credit no problem after that people took out loans they could never pay back that began to screw us after that it was only a matter of time until we plummeted the republicans tried twice to have someone Monitor the banks so we wouldn't be screwed over so hard but both times the democrats rejected to p it and i believe obama is trying to loan money to make money and that NEVER works. Sorry if I'm wrong about that I barely pay attention to politics.