let's get back to the nahb housing market index.s to a reading of 34 in november. that folks is very, very low. nahb ceo jim tobin. this is keeping your business in absolute limbo. >> limbo. we've erased all gains. members very pessimistic about the future of the housing market right now. remember we're starting to see what i think is the crest of mortgage rates. we're down below 7 1/2%. 10-year treasury rate fallen below four 1/2, five 1/2. there is optimism on the horizon but right now it will take a while before these rates really unlock the market. stuart: let me quote to you something from richmond fed president tom barkin, he says homeownership is becoming unattainable for far too many people. you gave me a statistic earlier. only 30% of people earning median income in america can afford a home, that price? >> afford a median priced home. homeownership and the fed president is exactly right. homeownership is getting less and less attainable for more american families. american homeownership is part of the american dream. being