Certainly, given the most recent move on down payments, it would make sense under the current regime for it to be under $500,000. We think that would be just fine. We're really talking about entry-level people and getting them into home ownership. Our calculations suggest that by moving from 25 years to 30 years....
It was really that we went from 40 years all the way down to 25 years. It was that last piece that really bumped a lot of people out of the market. By going from 25 years back to 30 years for well-qualified first-time buyers, about 80,000 new home buyers would be capable of affording to get into the housing market. How many of them actually would is a question of market dynamics. It really opens a big window for people who have a long time and are early in their lives and their families and careers to become homeowners and pay it off over a slightly longer period.