I think if you go beyond a year - if this continues into the system in the out years, I think there is a risk and that - that we could have a negative reaction in the bond market and that will offset the good that was attempted to be done.

Right now we think that rates will stay low, that you'll be able to get a mortgage below seven percent and that's kicked off a refinance boom that's going to put more money in the pockets of consumers.

So from the housing standpoint, steady as you go, I think, would be the best medicine.

Well, I think the best form would be to put money directly in the pockets of consumers.

We think if the economy remains weak that we could see mortgage rates trail down and we think that we could see rates below seven percent into early next year.