Dean Heller's "Nay" Vote

Representative Dean Heller, whose Congressional District includes Reno, voted against the Bailout Bill in the House both times he had the chance. I heard him on the radio today saying it was because the bill won't address what went wrong, and it won't fix the problem.

That is a valid opinion, if he knows what went/is going wrong... and what it would take to fix it. I'd like to hear his opinion on those points - if you know that this won't address the root cause, then I'm assuming you also know what the root cause is. And if the answer is "the government telling banks to lend to more minorities," then I'll know he listens to too much talk radio.