No Desmond I think you could not be more incorrect. Actually the folks who haven’t bought are mad as hell because those that did buy are getting away scott free so to speak. Others that did buy are getting mods. Others may even see REDUCTIONS in loan balances. Funny, even some of the most prolific bearish people who post here bought and are in foreclosure. The bottom line is personal responsibility. I am not saying don’t walk away. I am also not saying that the real estate industry, the fed, wall street, the ratings agency, etc did not feed the fire. However HE WHO SIGNED THE LOAN DOCS IS AND WAS RESPONSIBLE. Because if you never signed those docs, you would have never been in trouble. Yet I guess it is always more convenient to blame others. We all were living in the same time and under those same pressures to buy and not all of us did.