that is hannah levitt there. we will continue this conversation. will learn to pronounce exacerbate. we will bring in christopher mcgratty. this is bloomberg. ♪ ♪ romaine: back. today, -- welcome back. joe, i would think to some extent, you look at the stimulus money washing around out there. people buying houses. is this not helping? short i amt this about to show of the new homes sales number. it is ridiculous. you cannot even call it a v-shaped recovery. these better than a v. you would never -- it is not what you would expect to see during an economic downturn. you would expect banks to be doing better in an environment when so many people are borrowing money for big ticket purchases. caroline: what is interesting is the flipside. we were talking to an economist yesterday saying that this is a perfect storm right here right now. he was focusing on las vegas. how much the supply has caused this upheaval in prices. next year will be so out. we will start -- will be so ugly. we will see foreclosures, losing their jobs. what that means for the home