and -- stuart: address your statement to mitch rishel.in. >> that may be the case but my kids will decide when they want to purchase a home, purchase in florida for a variety of reasons, they are not going to purchase in northern suburbs. they are not crazy. it has been a supply story and remains a supply story and the only way to fix the problem is build incentives for builders to create more supply. it is that simple. go back to the reagan administration and solve the economic problem. stuart: regional bank facing this doom loop because of the inclusion of real estate. >> the office subsector and commercial real estate is in trouble. the office sectors, 15% of commercial real estate. think of what regional banks have on their balance sheets the biggest thing is apartments, multi family real estate. one of the other things they went on recently is industrial real estate, warehouses because business clients have warehouses. that is doing great. calling a end, waiving the caution flag at the regional banks because of commercial real estate