Yeah, I’d start with the issue of the home being owner occupied. Then I’d add one more criterion: Did the the buyer put down at least a 10% down payment. Despite the fact that many people may have made a horrible decision to buy at the top and put down 10%, I would not put these folks into the speculator bucket. And if we’ve resigned ourselves to the fact that we’re going to bail folks out (with which I disagree), then let’s at least have the decency to limit it to folks who put some money down and are actually living in their homes. Anything non-owner occupied or having less than a 10% down payment, in my opinion, should not be bailed out. Period.