banks could face legal fees, fines and they may have to buy more mortgages. if you are not near foreclosure, or past due on your payment, most americans aren t. it could hurt you, too. with a flood of foreclosures backing up, so inventory. and when these homes are finally put on the market, prices could fall even more. earnings are out for big banks this week. among them bank of america, wells fargo, and citigroup. all big mortgage lenders. it s not like the financials have been leading the bulls anyway. the sector is up 4% in september. compare that to the broad market. the s&p 500, gaining nearly 12%. we will get new housing info next week, which could give a gauge on the market. september housing starts out tuesday. they are expected to be down. which may weigh on the market as well. sorry for that bottom line, shannon. shannon: all right. well, we always thank you for breaking it down for us. brenda buttner, thank you. we want to hear from you.