A short and simple story of the credit crisis? Do you have 11 minutes? That's how long it takes designer Jonathan Jarvis to break down one of the most complicated financial news stories of the year in his video, "The…

Architect Bryan Bell likes to quote a certain statistic: Only 2 percent of homebuyers work with an architect to design a home that fits their needs. In other words, shelter is a necessity, architecture is a luxury.