I don't see any problem with a housing bust. Just think of it as a downward time adjustment. If they go up 1% per month, why can't they go down 1% per month. As a banker told me about six months ago: "Austin, you are out of touch. Housing prices go up, not down." Keep on making them numbers boys & girls, it's good for the economy. Remember that Alan Greenspan post the other day where Greenspan was quoted as saying FNMA needed some regulation. This is just part of the plan so gird your loins and sharpen your sword, the Philistines are coming. What we need is more appraisal regulation. Not enough pages in USPAP. We need to revise USPAP every three months, not every year. That is the whole problem.