coming back on the market and they re going to drive prices down. about a quarter of all home sales are distressed properties, so you re going to see home sales probably fall because you re not going to have as many. we have just seen the market start to recover. national home prices were a little higher than last year. i agree. i think it slows things down and then there s this thing called shadow inventory, the people who would like to sell their home, but isn t putting it on the market. 1.2 million shadow homes for sale. people looking around, as soon as things start to loosen up, they are going to put their homes up. i think this makes more uncertainty. your point about the banks is well taken. the beginning of the process, there was some shoddy, shoddy paperwork. it s been ugly from start to finish. i understand the banks were