Greg, I have been following you for a good number of years and I appreciate the realistic analysis. The concern I have with the current debt market is the cracks that are showing ie: Home Capital Group in Canada. The real estate market is over priced and workers are under paid. Fear appears to be rearing it's ugly head. Fear of not ever being able to afford the market, fear of not being able to maintain the payments once in and what I think will collapse it. Fear of not getting out before it collapses.