listening to ian shepherdson -- >> turned things around a little bit? say because he's so widely followed and he was so positive. >> a great debate about whether or not what's fueling the market and the growth outlook for this country and he's in the 3% -- the double threes, 300,000 jobs, 3% growth. >> larry we all agreed that higher rates if it's for the right reason -- japan's had lower rates for 20 years and that hasn't helped anyone. when rates go up based on improving economic growth it's okay especially at 2.3. we're not at 9.3 or 19.3 >> higher mortgage rates will hurt the market but the person with a job is way more capable of qualifying for a mortgage. >> low mortgage rates aren't helping. >> i think it's helping them make prices more affordable for people who wouldn't be able to do it otherwise. the concern is everyone has said this entire economy rests on the turn in housing if you're really going to see a strong comeback you have to get the numbers up. i don't know it's worth keeping rates for that low this long. >> you get my point that i d