two of creators are friends of this program, brian stevens, frank garay. hello. >> how are you doing? liz: david, check that out. they are co-host of the national real estate post. before we get to the technology, gentlemen, we need to talk about the state of the market when it comes to housing. administration speaking about its efforts to make housing more affordable. there has been support but also criticism about its approach. what do you make of the government's efforts so far to get people back into the housing market? >> brian? >> well, i mean, you know, dropping the pmi with fha was that pretty good move. as far as making housing affordable, really what we have to do, we have to make it more a abundant. we have real liquidity issue. lenders don't want to lend. they have a ton of overlays on products they're offering. essentially only people with the best of the best credit. liz: right. >> high reserves and full doc loans are getting deals. we're looking lending volume basically goes back to the same volume in 2008 when the housing market was on fire