http://tags.gawker.com/assets/base/img/thumbs140x140/gawker.com.png http://gawker.com/tag/valleywag/johnvogel http://gawker.com/tag/valleywag/johnvogel Dartmouth professor John Vogel, who specializes in real estate at the Tuck School of Business, explains that the fad for mortgage-backed securities among investors really kicked off after the postmillennial dot-bomb. Everyone wanted the kind of blockbuster returns they got during the technology IPO glory days. In other words, it's all your fault, Valley, for creating unrealistic expectations — don't blame Wall Street's greed.

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