i would argue the situation is even more sinister than what you outlined in terms of trying to get people to move to the suburbs and basically control them into homeownership. we are on the doorstep of a another deflating home bubble right now. essentially what they are doing is they are encouraging people to stretch into homes that they couldn't otherwise afford, precisely as the floor is about to fall out from underneath them. as prices decline. we got existing home sales as reported by the national association of realtors yesterday. it reflects the second back to back month of declining home prices. it's here already. we have seen sales volumes just collapse at a speed that is even faster than we saw during the housing bubble bust. that presages equally substantial decline on crisis. i think again for only the second time in our ur history