Unfortunately I think the housing bubble is all too analogous to what's going on in the industry today, and I think that the bubble, unfortunately, is going to burst pretty soon. I think that it is worth it for us to take a few minutes to really understand this issue, because statistically speaking probably one of us in this room is either looking for a house, or looking to buy a house, looking to sell one, and as I'm going to argue later on, I think that this has a big impact on the rest of the economy, so I think it is worth it for us to take a few minutes to really understand what is going on with the housing market.