Find an article about all of the problems that occurred due to the failure of financial institutions to obtain and retain notes and mortgages, leading to the inability of financial institutions to foreclose on property and, even worse, leading to financial institutions engaging in widespread forgery to fabricate documents. Send a three paragraph summary of this article, along with a link to the article. Then, in not less than four paragraphs, set forth what simple procedures these institutions should have followed to have avoided this situation both legally and ethically. Finally, assuming that all paperwork was actually in order, can transferee institutions avoid claims of fraud in the inducement by borrowers when attempting to foreclose on the mortgages if all requirements of holder in due course status have been met on the underlying notes?