Meet the Dirty Dozen of two that have driven the nation’s economy into the ditch – then look in the mirror and see who is at fault.

Topping the list of Time magazine of 25 people responsible for the economic mess is Angelo Mozila, high-country living former director general who helped cause the nation’s massive mortgage Fusion for delivery of loans to the poor saps who could never afford to pay back.

Next on the list is another giant, the former Republican Senator Phil Gramm, who pushed through our idea in the 1999 Congressional legislation that dismantled the Depression era protections are put in place to avoid … another depression.

When millions of Americans began to lose their jobs and life savings in recent years, Gramm called us a “nation of Whiners.

In third place was former Fed chairman, Alan Greenspan, who had the courage to go before Congress last year and acknowledged that he was “surprised” that the hands-off on Wall Street approach helped tank the economy.

That said, regular people get a spanking of Time magazine, too.

For loans to the handgrip and blow all the dough instead of saving for the future, U.S. consumers on the No. 5 time in the list – right behind Christopher Cox, the former SEC chairman who was blind to $ 50 million Ponzi scheme that Bernard Madoff (No. 19) engineering.

The list includes some characters that could possibly have the first, second or third, as No. 6, former Treasury Secretary Hank Paulson, or No. 7, former AIG Joe Cassano Honcho.

After No. 11, Dick Fuld, a poster boy for greed, which made half a billion dollars, Lehman Brothers as lead in dust.

Not surprisingly, former President George Bush in the No. 14 because, as Time put it, “the merger occurred on Bush’s watch.”

What may surprise many is that Bill Clinton was ranked the 13th in the list, but presided over an economic boom during the 1990s.

Clinton’s mandate has been characterized by “a bunch of financial deregulation, which in many ways the scene of the excesses of recent years,” according to Time.

With Clinton, Gramm was able to push through the repeal of the Glass-Steagall Act in 1999, which is widely blamed for opening the door to all that the shadow of credit swaps that have brought the economy to the brink of collapse.

Wen Jiabao, the moneyman for the Chinese government was ranked 16th for the provision of the U.S. government with tons of cheap credit, “the crack of this crisis.”

Also making the list in Brooklyn was 23 instead of the Sandy Weill, Citigroup, which became a financial giant buckled under its own weight in the past year. Resulting in thousands of New Yorkers out of work.