I’m thinking more like banks are going to relax lending standards again… so more populists can buy a home they really can’t afford with borrowed money they really don’t understand and can’t really afford. And so, as long as they have reasonable payments, initially, it won’t matter what the loan terms are or what interest rates are….The biggest issue will be people who can’t come up with the downpayment. So perhaps they’ll bring back very little down loans again too.