i'm joined by joann reed and jimmy williams and crystal ball.ant to stay on this housing story for a number of different reasons. first of all, it is a big story in florida, but it is also a big story coming up in nevada and the housing bubble, and this is where mitt romney has had a number of different positions and answers. here he is, romney, tonight on the housing how we should help these people. here he is. >> to help these homeowners or not? to help them, of course we help them. pam bonnie in florida is cracking down on people committing fraud, number one. number two, you have to get government out of the mess. government created the mess. number three, you have to help people get more flexibility out of their loans. >> underwater mortgages back in october. >> as to what would you do for the housing industry specifically, and are there things you can do to encourage housing? one is don't try to stop the foreclosure process. let it run its course and hit the bottom. >> jimmy, what do you make of that? >> well, he continually -- he habituall