Wise Words from a T-Shirt Salesmen

"America is financing and refinancing their homes with all kinds of funky new mortgage products while real estate prices go through the roof," said John Baynham, T-ShirtHumor.com founding partner and the artist behind all the site's designs. "If and when this bubble pops, a lot of people are going to take a bath and they're going to need an affordable shirt to put on afterwards."