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    The government has gotten a lot of practice this year coming up with halfway measures to edge us out of the Great American Mortgage Crisis. Every couple weeks, the Bush administration and the Federal Reserve concoct a new way to keep the financial system from going over the cliff: Find a buyer for Bear Stearns. Take over Freddie and Fannie.
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    WASHINGTON —Mortgage rates dropped this week, providing a dose of welcome news to prospective home buyers. Freddie Mac, the mortgage giant, reported Thursday that rates on 30year, fixed-rate mortgages averaged 6.20 percent for the week ending Nov. 6. That was down sharply from 6.
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