i mean we ran through that movie and it was privatized. >> i think we all agree on that. are we giving away too many freebies? government-sponsored to homebuyers? >> yes, 3% down. once again, these guys are behaving like the boozy bartender at the frat party, giving away free drinks. they're supposed to be in the business of selling bonds. into federal slush funds for housing policy. these guys are so close to wall street, of course they're going to go off the rails. if housing turns negative again with just 3% down, david, you're going to see these borrowers turn quickly upside down in their homes and their loans. >> well rich maybe government shouldn't be in the housing business at all. >> well steve points out, that's correct. the u.s., for all the support we give homebuyers, we don't have that high a rate of home ownership anyway. we should revisit this idea that home ownership is the great end all be all.