Clear winners while the homebuyers, there is less incentive to become owners. Scarlet i wonder if it is a terrible thing to be become like a germany. Joe we do have this history of encouraging homeownership. We got the housing bubble. It hurts renters instead of homeowners. Why not see if it balances out and not give a preference to one or the other . Lawrence the bubble was clearly a mistake and it arose from the subprime lender. From the societal point of view, it will enlarge the middle class , having a nation of property owners. Rather than having a nation of tenants. The fact that we have a solid majority of americans owning a home, and look at the overall wealth situation. Homeowners can only have a net 200,000, while the renters are stuck at 5,000. That is a dramatic difference. In order to a large the middle class, we need to encourage more Property Ownership rather than encouraging renting. Julia could we look at the 2 different bills we have going, whether it is the house or