How to fix the mortgage mess?

If you are John Stumpf of Wells Fargo the answer is: well, never actually given, despite that being, you know, the title of the piece.

He talks around why you can't just hop back to the way things were done 30+ years ago, but that's it. He says government should do something. OK...like what? And that banks and homebuyers should all have more "skin in the game"...probably, but he won't actually say to what extent.