. >> you know, jim karr, i want to bring you back into the conversation.ne of the things here, subprime borr borrowers, many have already been blown out and foreclosed in the past few years. it's ironic now that the people who are still living in their homes and not paying any bills are people who have high credit scores and higher financial literacy. >> right. it's very interesting. and i think the term "strategic" is really key here. because a lot of people really, you know, have a perception that maybe those are lower income households. but really, it's higher income households. and probably one of the reasons they do it in addition to those reasons that have already been given is that they have other wealth that they can rely on to continue to function in the economy, even though they have this serious ding against their credit score. because a strategic default is going to hurt you with respect to your credit score. but as you know, you need a credit score for practically everything these days. you can't afford to lose more than 100 points and continu