Wasn't McCain condescending towards a member of the audience in the second debate? ?

Oliver Clark: who happened to be African American asked a question About how the Bail Out Package would help them out. He corrected him by saying, "That's a very good question as you described it bailout When I believe its a Rescue" McCain then began to explain how the problem began referring to Freddie & Fannie. He further went on to insult the young mans intelligence by suggesting he didn't know who Freddie & Fannie were. "I'll bet you may never even have heard of them before this crisis" McCain confirmed his position later by insulting and disrespecting Obama referring to him as " that one". These are not simple blunders. And if this is contributed to age, platform, ego, anger, desperation or pressure then it is evident that this senator is not Presidential material. He could start an unwarranted war. Which I think he wants to do any way.