yeah so one of my things I had in my comments is criteria for buying a house and not being in trouble. Your sorta gotta take that with the rest of my comments. Its main thing was not being an adjustable. I get the housing going down is only bad if you want to sell. As a matter of fact it cracks me up because I will get neighbors who are so obsessed with housing prices going up but that just raised your tax. I mean I don't exactly want them going down or stagnating as its an indication things are bad but I also don't want them skyrocketing. I want them slowly appreciating like an asset like that should so that it basically keeps up with inflation. Its not really suppose to be a big money maker its suppose to be a good money store.