speaking of loans, a report showing nearly 20% of mortgage defaults are done on purpose. they call it strategic defaults. jeremy brand is with us, c.e.o. of 1-800-cashoffer. people default on purpose why? >> we're seeing this happen more and more when people contact us at 1-800-cash-offer. people make house payments and can afford to stay but walk away because the value of the house is less than the mortgage balance. the balance is $300,000 and the house is worth 250. they feel it's okay to walk away and let the house go into foreclosure. >> there's a morale component to this. if you're one guy and scrimp and save to pay and the other guy on the other side of the fence walks away, my question is, is