Yes, I know--so far. You're absolutely right. But my concern is that you're asking for an increase in the homebuyers plan. I understand the reason you're asking for an increase, but you also have a chart here showing that the average down payment as a percentage of the purchase price has declined rather precipitously. We now have somewhere around 90% financing of the average home, presumably a new homebuyer.
If we have any decrease coming in prices, in real estate values, is this not a recipe for disaster for people getting into real estate purchases with 5% down?