higher. shepard: the biggest drag on the economy is housing and, today, news that bank of america is forced to do something about it. guest: that comes from the negotiations they had with the state ag s sending letters to americans offering to pay down a mortgage amount if you have bank of america, and the caveat, you have to be two months later, and underwater and owe more than the mortgage is worth, and the mortgage has to be owned by bank of america, and you have to pay 25 percent of your income to that mortgage, can you not pay less. shepard: if you have been paying on time you do not get help. gerri: you are out of luck. not a last people will qualify, only 200,000 people helped. shepard: b of a stock is down. the dow is down 100 points. gerri: it was worse earlier. and it is a lot of disparate news but all in all the trend is higher than it has been.