FILE - In this Feb. 23, 2009 file photo, Mary Ann Herrera stands outside her home in San Antonio, Monday, Feb. 23, 2009. Under the threat of foreclosure, Herrara's brother painted the words "Help!!" and "Foreclosure!!" on her home in the hopes of receiving assistance. Six years after the collapse of Lehman Brothers, the lessons of the financial crisis may already be fading from memory. (AP Photo/Eric Gay, File)