with youngsters buying a home, taking on a little bit of debt when prices are at record lows and so are mortgage rates. guest: you are right. i agree but on that. the point, though, is to do that in a wise way. this thing we went through about 10 years ago where it was okay for anybody to buy a house whether they had money or not, but you if have $30,000 or $40,000 of loan debts and do car payments and credit card coming out your ears, you don t need to buy a home. you need to rent. the fact that the resoutheast scared them into wisdom is not a bad thing. now, if you are not buying, and you are able to buy, which i m talking to a few people that fit that, you are able to buy and you are not taking advantage of the super low rates and the great prices because they have lost hope in america, they have lost hope in our economy, well, then, that s the wrong thing. that is where leadership in washington has broken down the economy by not casting a vision of hope that we can believe in.