var items = new Array (new ImageMetaData('Chris Sipe, a loan officer with America East Mortgage, talks with a client about a home loan on Monday, March 17, 2008 from his office in Frederick, Md.  "We\'re in the midst of an epic, broad sweeping change in the mortgage industry," said Sipe.  Banks and mortgage insurers, which have lost billions because of bad bets made during the housing boom, are now reverting to strict lending standards not seen in nearly 20 years.  (AP Photo/Timothy Jacobsen)','http://msnbcmedia.msn.com/i/msnbc/Components/Photo_StoryLevel/080320/080320-credit-crunch-vmed-302p.jpg','6:04 p.m. ET, 3/20/08','Timothy Jacobsen / AP','AP',23731499));