I've spoken out a lot about government bail outs, but reading this article puts me a little more at ease.

One of my biggest concerns is that tax payers were bailing out banks and consumers who made bad decisions with their money. This isn't fair to those of us who chose our mortgages more wisely.

It looks like as part of the program, the financial gain or benefits people receive with the bail outs must be re-paid, at least partially at some point, through profits from the eventual sale of their home.

Now the big question will be to see what the FHA plans to do with those profits when they do come in.