i was trying to explain to a relative why low rates were irritating me and delaying my purchase but i couldn’t quite articulate it as well as you guys. I see that super low interest rate and think, screw them, i’m just going to keep saving money a few more years(in gold, silver and oil, not in those dollar bills they keep doubling and redoubling) and wait for mortgage rates to hit double digits. or at least head in that direction…you cannot redouble your actual gold holdings with a stroke of the keyboard…