and it is becoming exposed as not being a holy grail. too many put too much weight on it and a problem of the subprime mortgage crisis and people not mortgage industry know that so we are backing up and saying, okay, it is a measure, but it is not "the" measure of a man, or of a woman and their quality. >>neil: very well put. i see why you have me-year-old books on the best seller list. he dominates the charts. thank you, my friend. sure things are shaky but could you pass the wine? because fox business network is right, anything luxury is now, everything hot. >>guest: from high enapartment -- high end apartments, luxury is making a comeback not just in the united states but overseas, with sak's getting a surge