Our social media question this week was about sociology, and a student at Cape Henry Collegiate School was the first one to get it right. Nice work. I ` m Carl Azuz. Let ` s get to today ` s headlines. First up, we ` re looking at a huge deal that involves states, banks and the U.S. housing market. A lot of experts say the meltdown in the housing market was one of the main causes of the 2008 financial crisis. Part of the recession we ` re still feeling the effects of. Yesterday ` s deal is about foreclosures. That ` s when a lender takes back a home because the person who ` s living there can ` t afford their monthly mortgage payments. The states had accused lenders of making some foreclosures without following the proper procedures. This deal is a settlement for $26 billion. Who is involved? Five of the country ` s biggest lenders. They made this deal with the federal government and with 49 states. Oklahoma made a separate deal with the banks. How does it work? Well, if you ` re behind in your mortgage payments and you owe more money than your house is actually worth, this could lower those monthly payments, maybe make it easier for you to keep up.