like a little bit of wall street's first reaction was here we go again, ho-hu not overly concerned, buttas affect confidence. neil: lately the wind at your back. for builders in particular land prices going up more people turning up at open houses and the like. that could be smacked down with a debt crisis. >> it has been a long downturn, housing market has finally been getting positive trajectory. but this is not a good time to stop that trajectory. the housing market en flewences the -- influences the overall economy so much. >> has anything slowed down lately most the shut dow >> first week has not been bad. it has just been a week. i would say we're starting to feel rumblings of concern, there are mechanical concerns, and usda, a small mortgage program is virtually shut down. neil: you have a lending arm yourself. >> >> we do. the mechanics are an issue, i'm more concerned about just what it does to confidence. a bump in the road in this recovery is not a good thing, it is not good for the housing industry or the economy. >> would -- if people are caught between getting a house now or