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Banks should get on board, review everything they are doing, and say we don t need a robo, and they should have staffs was maybe hire some people. what do you think? neil: what happens to housing prices in the interim? do they start sliding again? do they stabilize? because people are not foreclosuring now? what? guest: with less foreclosures, obviously, prices will seem to bump up a little bit because those are the ones weighing down the market prize-wise but activity-wise, we will have less activity, so it is a little of something, a little less of something else and that balances out. i do think it is psychologically impacting the market negatively because people know why it is happening. neil: people mow this is artificial and if you are in the neighborhood and looking for the homes in the neighbor to appreciate, if you are right, and you have been right through the whole ordeal you are saying ....