to come up with? i think one of the administration's problems has been they have not communicated well exactly what opportunities are on the table for people and he's a great communicator. this maybe is a turning point. >> do you think that's a lost part of the american dream for middle class americans whose dream it is -- i remember growing up as a kid, my grandparents were in the same house for 50 years, my parents were in the same house for a long time until the family divided. is that the american dream? >> thomas, there's this phrase out there in the mortgage business, affordable housing. what is that now, $100,000 home, $150,000 home. there are different sections of the mortgage community and the home ownership community, they are all under water, so where do you focus your energy here, getting people into homes, we've been able to do that. it's keeping people in homes right now and keeping a roof