steve, but inflation is a devilish thing in people s lives. you know, bill, right now i m sitting in jacksonville, florida. try to buy a house in florida right now, in orlando, tampa, palm beach or fort lauderdale. forget about it. there isn t anything to buy. you ve seen the huge escalation in prices and for people who own homes that s good news. more equity in their houses. but for people trying to buy houses, bill, it is a really tough market where you ve seen a doubling and truppling in housing values here. here is the problem. i do believe there is a potential bubble here because as you were just saying, in just the last year or so, these interest rates on mortgages have gone from 3 1/2% to 5 1/2% and going in the wrong direction. is there a housing bubble? i m worried, no question about it. don t forget what happened last time we had a housing bubble in