DCarlso1, I think your really missing the point of this site. You should go back and read the write ups and graph’s that Rich has put together over the years. While most people were taking out risky illegal loans to buy property they could never in their lifetime afford and patting themselves on the backs while telling each other they are about to become the next millionaire Rich was building an argument that something was seriously wrong with it all. Turns out he was 100% correct and he probably saved a lot of people from buying at the wrong time and getting themselves into major trouble. So really this web site is helping people. Do you see a problem with that?