Good point. I wouldn’t be surprised if a lot of people think like that. In my friends’ case, they have quite a bit of equity in the house and if they sold it today at a realistic market price they would end up with quite a bit of cash. However, they would not get back all the cash they put down on the house and I think they haven’t come to terms with that. They are like the banks – they don’t want to recognize their loss, I think.