investors, forigners, and rich americans.s comerica and is basically for retreating from the housing market, perhaps waiting for either mortgage yields to grow over income growth to seller. lou: the affordability index means something. >> it does mean something. does not forget, we have good news on consumer spending, but income is still performing poorly. for the month of december spding topped expectations. income fell short of expectations. lou: and nobody has an answer for. president obama wants to talk about income inequality, but he doesn't have a prescription. the democrats don't. added to the republicans. the republicans are trying to run from the issue. the reality is this is a big, big problem in our society and our economy. lou: -- >> we are seeing the worst income rose by far of any recovery since the 1940's. until we get a recovery in terms of income growth we're not going to see much happen by consumer spending or by spending and housing. lou: to you think the republicans will ever learn to talk about the middle