margin when they should be renting to buy and that creates a different world for the industry. you build a lot more houses that are to be bought instead of to rent. so even people who want to rent end up not being able to find the housing stuff that you would need to raise a family particularly in a lot of urban centers and then you end up having a situation where they need the mortgage interest tax deduction and fannie mae and freddie mac and the politics of it begin to feed on it self such that homeownership becomes absolutely, you know, entrenched as this incredible bias in american public policy. >> right. it's like if one person stands up at a stadium they're fine but when everyone stands off, no one is better off. mortgage interest deduction going into the housing market raises prices in such a way that it kind of gets eaten into whatever benefit you got in the first place. kind of like the health care deduction. this is a state where that accidentally became very