pruden is not in our dna when it comes to money. people used to borrow for anything and everything whether it will be a car loan or replace their credit card debt. there is it no hard data to tell us we are doing it right this time. >> and the fear factor. we don't know what the future holds and seen how rocky the housing market has been. it is enjoying a rebound. but at the same time home prices are rising and that is causing concern and fear, why? >> i think you have two things. if home prices rise. they get complacent and start to use that atm or piggy bank depending on the analogy you want to use. we worry about that. and the other thing is it, you might get people chase prices again. a lot of homeowners would be happy to see that. but it is it not a good thing. we need real estate prices to steady and rise slowly and not to have that big pop. it am bring us back to the stame old doing it the hard way. >> good sound advice. thank you. >> good to see you. >> always is from pat. >> a troubling new study out. we could see a spike o