Exactly, ucodegen. These banks don’t want houses to become more affordable, they want you to borrow as much money as possible and become a long term revenue stream to them. I think what we’re seeing is that homeowning is becoming sort of a lifetime renting arrangement from the bank. You never pay it off before you die, but you get the benefits of not having rent increases (if you don’t have an ARM that is), and you can paint the walls and stuff. Even the “homeowners” are all renters now.