dodd-frank bill, you have to write all these regulations, you re not writing them fast enough, what specifically is he most worried about? what does he really want addressed? i think the president is concerned of about an asset bubble. what is an asset bubble? explain for us. the housing bubble was an asset bubble where home prices got way overvalued compared to what we called the fundamentals, what they should be based on historical experience. that s what happened right before the crash and that appropriate ta precipitated the financial crisis. we don t have that now? we don t have a housing bubbleout. homes are probably still undervalued. what does this man for homeowners? should they be worried about the value of their investment? i think we re going to see home prices continue to tick up but a little more slowly there and in the past. the real problem is if you want to buy a house these days, credit is still tight.