market. it needs washington in order to get things moving again. we need the help. we need the help. you d think it would help on the mortgage rates, the lowest ever. 4.12%. amazing. does it even matter? t. doesn t. because people can t get these rates. there s a huge sense of pessimism as it relates to the housing market and because most people can t get the rates. they can t buy a house, refinance, because they have bad credit. you need to rate in the mid-700s. one-third of home owners have zero equity or they re completely under water. combine that with the lack of confidence in the housing market, these low rates don t matter. vera gibbons, thanks for the straight story. appreciate that. thanks, alex. 9/11 survivors, the story behind rebirth, next. or when you re distracted?