and looking at the housing business and still inventory out there and the amaze they think in the las couple of weeks, they're starting to give away houses again with not a lot of money down, the same thing that got us in the problem in the first place. insanity. >> guess who is on the hook for 3 1/2%, all for an fha loan. you know who is backing that, the american taxpayer is. >> neil: how long do you think the housing mess. >> many years, three, five, possibly ten. the good news the economy shows it can provide strength and jobs even with a flat housing market. it did in the early '90's and late '80s and i think the dmik recovery without housing. >> it's going to be without housing and jobs. i don't know where the jobs are, not to digress too far. >> 200,000 per month in the private sector. >> anyway, one of the things i did want to stay on this stop e--