what about that, dave malpass?arren buffett is right and things are moving in the right direction. >> i didn't hear warren buffett say that. he said that things were inching forward. and i agreed with the way michelle phrased that. so i think there is a housing recovery going on from a very low base, but it's a relatively small portion of the economy. in other areas let me give you some cause for concern. total bank assets on a year-over-year basis are only up 2%. and over the last three months the bank lending, the actual lending growth has slowed all the way down to 1.7% on an annual basis. so there's kind of a closing down of many of the small business portions of the economy. i think that's waiting to see the outcome of the election and what the first statements by the new president will be. >> you know, michelle, talking about loans are slowing down, it really doesn't seem like the fed's easy money has done very much good. and i want to just ask you, some of these earnings reports, speaking of not doing very w