Maybe my mind set is stuck in the ’50s. I’m pretty sure back then anybody with above average wage could buy a nice 3/2 1200 sq ft house in San Diego. What about all the service members that will be getting out of the military? Will they be able to afford to live here in San Diego? Not unless they have their 20 in and then get a job in addition to that retirement. During that 20 years however what were they doing? Unless getting officer pay my bet is they were renting (I do agree their housing allowance is too high, did it go down when homes prices went down, I doubt it). New housing is too expensive here in San Diego, that is my basic premise. Alot of it is because builders build houses that are too big, and if you look at their books I’m sure they are way fatter than my wallet.