housing market is still quite bullish? i think it is. the fundamentals are very supportive of home prices continuing to rise. we have very low inventory. a lot of pent-up demand coming from household information and also coming from people that were sitting on the sidelines waiting to feel more comfortable about the idea housing is an appreciating asset. i think we are seeing a continued improvement in housing and demand. it could be volatile. it always is volatile. the data is very noisy. we have to be careful. do you this i it is a game for the 1%, this real estate game at the moment? when you look at first-time home buyers and they tell the realtors that they can t find the house they want in their price point but they can t find something they can afford probably because of inventory issue you and they are still having trouble getting mortgages? you look at some other of these markets, 57% of the purchases in florida are cash purchases. 80% of purchases in vermont are