jim shilling is an author of the report.at possiblethat people with low interest rates are going to possibly hurt the recovery in housing? >>since 2011 interest rates have steadily fallen. people who are now thinking about refinancing are now going to have second questions about selling their house simply because they're sitting on low interest rate mortgages. they've got to ask themselves is it worthwhile giving up that low interest rate mortgage. >>so they are sort of trapped. and these could go on for 15-30 years. >>they are trapped. they are locked in to their existing house. >>how important is this then to the recovery? why does that effect the recovery? >>it effects the recovery because we need a healthy housing market to have a robust economy. with households not turning we don't have a healthy housing market. >>so you need people selling homes and you need people buying homes but all of these peoplemillions of them are going to be locked in their homes. >>they're going to be locked into their house. >>the irony is as