and paul eggers is back with us. let's get to our e-mail's now. the first one coming from billy bob in southwest florida. he's talking about a foreclosed home in his neighborhood. great question. certainly a great question. and the problem that he writes about is not one limited to south florida. certainly there are foreclosed homes across the country. and that's happened a real impact on the real-estate market. i spoke with a real-estate broker right here in chicago who at the time of the clothes ending of the first-time home buyers tax credit, was saying. he was putting in bids in one these foreclosed properties. it would take six to nine months to hear anything back from the banks. whether that's because they don't wanna ride down the value of those homes. i mean, that's a good question to ask. that's probably a likely scenario. these banks are still very reluctant to not only write down the value of bad loans on their books. they still don't want to do loan modifications and do principal forgiveness for borrowers who needed. great question by