last time it this low, ldial up all . rage and gas was a dollar a buck and xfiles topping the tv chartings. sabrina said low homeownership is great news. explain. >> it is good news if we are talking about the national correction. we find that they are more financially responsible. i am concerned about healthcare and retirement process, but i am concerned thalt federal policy under clinton and bush to push people to buy homes with government-backed risky loans led to the economic down turn and we can't ignore that. >> rick, is it better to be frugal. >> that is the issue and we are a few years away. it is natural investors are the first this and those of us who get involved in the residential real estate see a bright future in the rent market. it will take a couple of years to see how it normalizes. >> morgan has been delving in this. what do you think morgan. >> homeownership and economic growth are tied to a relatively new concept. >> there is it a relationship between the two. there is no correlation. we have a thrivin