it's very difficult to get refinancing if you're upside down because essentially, let's say you're upsaidas to be a fannie fannie or freddie mac lone, you won't be able to refinance because you have to come up with the difference between what is owed and what the present value is. a lot of people say hey, i'd like to refinance. but practically speaking, it's very, very difficult to refinance your homes in these days when it's upside down. >> steve: that makes perfect sense. all right. lesley e mailed us and asks, if i default on a lease because i needed to relocate abruptly, what exposure do i have legally? >> i get a lot of e-mails on leases. remember, viewers, a lease is a contract. if you sign a lease and you abandon that lease because you had to relocate for a job, you still have a responsibility on that contract. but here is what happens. the landlord has a duty to what we call mitigate the damage. the landlord has to go out and try to re-lease that home or apartment. if it takes him two months to do that and you had eight months left, the landlord could coming up for the difference.