From PRI, Public Radio International and KCRW Santa Monica, this is To the Point.

The dream of home ownership is becoming a nightmare.

Hello again, I'm Orman Alney, and this is To the Point from Public Radio International.

A daily look at the issues Americans care about most.

Home foreclosures are setting records with almost one quarter of mortgage holders owing more than their homes are

worth in the current market. Big banks were the main cause of the housing crisis, but they're resisting

demands that they renegotiate loans that are underwater. The hardest hit are racial minorities. There's evidence they were

targeted for subprime loans even when they could afford better deals. What will this mean for the

black and Hispanic middle classes? Is there any hope from the Obama administration? On reporter's

notebook later on, combat soldiers and training in how to maintain mental health. First, here's the news.

Support for To the Point comes from subscribers of KCRW Santa Monica and from the Public Radio

International Program Fund, whose contributors include the Ford Foundation, the John D. and Catherine

T. McArthur Foundation, and the Rockefeller Foundation and its campaign for American

Workers. More at rockfound.org. Hello again, Mormon-Aulney, back with To the Point. A record pace of

home foreclosures is taking its biggest toll on blacks and Hispanics. Did big lenders conduct a new

kind of housing discrimination by pushing subprime loans to minorities hoping for a piece of

the American dream.

When reporters' notebook combat soldiers have a tough time handling emotions, can they handle emotional

training?

We'll hear about a new program for the entire U.S. Army.

First, this news update, with Afghans scheduled to go to the polls tomorrow for a presidential

election, the Taliban says suicide bombers will create bloody havoc in Kabul, the capital

...