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Lows where people are looking for a sign before they jump in the water. part is psychology and part to be honest is you still have this shadow inventory of all these homes that are still on the market. we went on this building binge over the course of a decade. as a consequence you have a bunch of homes, particularly in states like nevada and florida and california, arizona. the supply greatly exceeds demand. what we are seeing, i think, is that the housing market is beginning to bottom out. mortgages interest rates are at historic low. if we can just start getting people who are ready to buy, have good credit ready to go, then go ahead and dip their toe in the water and make the ....