a little quiet at the moment but prices are there because the technology, the eyes are ltv so he contract you around room. [talking over each other] gerri: at $12.99 at $12. you don't have a lot in your budget for toys. makes a big impact. >> the kids love it. they're watching on tv as well and collecting band playing with their friends. gerri: the atari you have to bring your own ipad but it is $60, the most expensive thing here and i was shocked the cabbage patch doll almost $45. >> the new baby wine with lots of babies available but it is going to cause the same collecting frenzy that happened before. interesting that they are coming back and making a play for toys again. gerri: last word here. if you are out there and shopping for kids, what do you need to know? what is the best advice you can give? >> never take a price at face value. do your homework. use price comparison sites and apps. try to find coupons because there's a lot of savings out there available for everyone. if you take an extra minute to find the lowest price and determine am i going to shop online or in store, but f

there's a lot of fear about ltv t. issues because the of gdp movement signifies or eliminates the fact that sexuality is far more complicated than we thought you remember when we used to have the communities the state community and the gay community and then lesbians spoke up and said hello, we are here and our experience was different so then we became the state and the gay and lesbian community and bisexuals spoke up and transgendered and now we are adding the letters, aren't we? [laughter] we are going to run out of letters pretty soon and i say to the audiences, some of you are here how do you get away with just being st? [laughter] [applause] all of those letters say that we've actually been exploring this reality of those letters are an indication of the kind of diversity and that we are finding in our own community and there is more which is why we are going to run out of letters. and it also points out the fact that i think the heterosexual community hasn't done that kind of worked or else they would have a bun

these were loans with low documentation with high ltv, with no income or asset verification, and it was preed calletted on that that i wrote to the hud secretary and asked him if he would please discontinue championing and actually cheer leading home ownership because i thought that we were very close to the edge. we were within a year or to, i thought and as indicated in the letter of a collapse in the mortgage market. -- ?awbl. >> one minute. >> okay. having said that, let me get back to the book. i write a monthly book review. i'm looking forward doing a book review having read bob's easy to read and that will be published in the december issue of mortgage banking magazine. with that -- i turn it over to ed. >> thank you. ed? >> thank you, alec. thank you for arranging this book session, and thank you, bob, for an excellent book. i enjoyed reading and like alex, i learned a lot. the history going all the way back to the beginning. i knew some of it but learned more and thank you, tom, for all of your help and standing up to fannie and freddie and your friendship. my test when i read

these are loans that were low documentation with high ltv's, with no income or asset verification. and it was predicated on that, that i wrote to the hud secretary and asked him if he would please discontinue championing, actually cheer leading homeownership. because at that we are very close to the edge. we were within a year or so i thought, as indicated in the letter, of a collapse in the mortgage market. >> you are within one minute of your time spent okay. having said that though, let me get back to the book. i write a monthly book review. i am looking forward to doing a book review having now read opposite very well written, easy to read, concise history. and, in fact, i will be published in the december issue of mortgage banking magazine. with that, let me turn it over to ed. >> thank you very much. >> thank you, alex. thank you for arranging this book session, and thank you, bob, for an excellent book but i really enjoyed reading it and like alex, i learned a lot. of the history going all the way back to the beginning to i knew some of it but learned lots more. thank you, t