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and I'm not going to get into the depth of it here,
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but it's a real fascinating story.
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In any event, we have problems in our economy
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and I think that we are going to
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see more of these problems in the next year or so.
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I think Bob can talk to you more about
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what's going to happen in housing,
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but a lot of it depends on that
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because if you can't have your housing prices go back up,
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a lot of people that
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bought them can't afford to pay the mortgages;
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nor will they want to.