^ Alan Greenspan (2005-04-04). "Remarks by Chairman Alan Greenspan, Consumer Finance At the Federal Reserve System's Fourth Annual Community Affairs Research Conference, Washington, D.C." . Federal Reserve Board . http://www.federalreserve.gov/BoardDocs/speeches/2005/20050408/default.htm .   ^ Stephen Roach (2007-03-16). "The Great Unraveling" . Morgan Stanley . http://www.morganstanley.com/views/gef/archive/2007/20070316-Fri.html . "In early 2004, he urged homeowners to shift