with a single industry since the 1998 tobacco deal. how much will it really help struggling home owners what about the housing market. will it help you? and a certified financial planner managing partner with car guile investment services and great to have you here. thank you. at first blush, this sounded like the greatest news every home owner getting a reduction in principle, lower interest rates and maybe a little check comes to you. big picture first. will it impact the housing market? well, the short answer is no. the settlement, even though it s 25 billion dollars is really rather modest and especially when you look at the huge 15 trillion dollar mortgage market. and as we step back and look at the settlement, the first part of it is very good, 5 billion dollars going to those victims of robo signing. now, remember, these aren t people that were improperly kicked out of their houses just denied due process, they were behind on their loans and deserve to lose their homes now