There seems to be a shortage of housing, for sure, and people want to keep their houses, if they have them. What they're doing is spending all their time and money trying to keep their house, and as a result, all of their other payments are suffering. When people come to see us, there are two things they like to keep: their houses and their cars.
With a housing shortage, they may be stuck with alternatives, like high rent, and that hurts their cash flow.