supportable today if we see that mortgage rate just go back up to 5%. you know, at the same time, we re seeing a lot of high risk mortgages being made. fanny made and freddie mac, the percentage is they have tightening lending standards, they have redefined subprime lones from 6.60 to 6.20. you have the fha loans that have less than 5% down, they were less than 3% of the new loans back at the peak in 2005 neil: so you re saying we re getting risky again. let me turn this around knowing that people knew you be here. but one thing they said, maybe housing doesn t lead the economy like it used to. maybe this concern about housing is overstated because of other factors like corporate earnings, all this other stuff is driving this economy in a far greater way an can absorb whatever