i think, something like simpson-bowles, now that the temperature has gone down a little bit, i think would make greater -- i think would make greater process. >> jeremy. yesterday we spoke with marty feldstein who says he thinks the fed is artificially inflating housing prices at this point by keeping interest rates so low and that makes people able to get much lower mortgage rates and eventually that's going to come off and will put a lot of pressure he thinks on the housing market. >> well, you know, i love marty a lot as a colleague. but i think he's wrong here. i mean, world interest rates are low. inflation is low. real rates are low. you know, i don't think even a point up on mortgage rates is going to kill this market. i mean, we're still below a million housing starts a year. all the economists i talk to say the normal is 1.5 million. >> jeremy, do you -- if you had to say -- we talk about sentiment, and now it's been 12 years, and the individual investor doesn't really necessarily believe in buy and hold anymore, and sometimes i think what you're saying is, if you look at the public, and investor sentiment and see how low it is, and we're so