bottom line is i think hemidepot is interest rate sensitive i don't thinks it we have the mortgage rates at 2011 highs the reality is this is the ultimate consumer discretionary play in fact the opposite consumers never has been better. housing stock is lower they stay in homes not enough supply out. and spending money on homes. home prices aren't falling but sales are. while mortgage rates go higher >> how are they paying for the re-dos i agreed with you in the last cycle. but this times it seems the home equity lone will loans are going up the reason how they pay for it is going up not at much in the past fade it. >> i think they have jobs. the wages are going higher the asset value underlying which means they can tap into home equity they may be paying more on the loan i don't think people taking out the equity enlean loans they tlink about it because they get cash and spend it on the houses. >> the one thing you worry about is the home price index year or year is rolling out process we shaw that the last couple housing issues preponderate rate of change is rolling over. then you coup