mortgage provisions that would make it easy for people to buy a home. i also want to tell you i am not going to go back to the years of yetter year whe-- yester year wy were handing out where they could not possibly repay them in some cases no down payment interest only mortgages that got us into real trouble. what we are going to have to do to get the housing market back going is what america does right now is get the economy beigoing again. if we have jobs south carolina can't buy a home we have to get back to work then we have to get our regulatory system. my view is i don't want to see us go back to cheap mortgages guaranteeed by the government which gets prices out of line i want to get the government out of housing business let the market work.