should look at it as a business issue. the banks extended these mortgages see it absolutely as a business issue and they have no problem in their business delgs with other companies with walking away from a deal that doesn t work with them if they are legally allowed to and i think homeowners should feel exactly the same way. banks are not seen giving mortgages as a charitable act. it s a business relationship. real quick. bared baird stearnes going under making getting too far out thinking everybody is coming in. i think people should make a decision on what suits their family financing. it s not a community banking relationship any more. that s like a normative argument. it s true the people on the lower end of the income spectrum look at walking away. they say i ll never get another mortgage and richer people are saying this is on my second home and they feel less moral or