existing home sales are staeblizing. down 0.9%, up from a year ago. that's good years ago.florida is author of "the great reset." are we seeing that? >> it's at or near its bottom. in certain markets it may overshoot a little. but as you said, that price-to-rent ratio, the folks -- really great economists, we published that in our sites in atlantic cities. it showed that 98 of the 100 markets, it's cheaper to buy than rent. in places like detroit and the rust belt cities, it's like 3.7 dlp. when the indices is 20%, that's when you should rent. so in those communities it's probably a good idea to look to buy, and if you know you're going stay in your house or you want to make money by renting it, it's probably the time. housing may go down a little bit more, but it's probably the time to get going. >> mortgage rates went r going up. we saw 4%. when i say mortgage rates are going up, they crossed 4%. in the earlier life that would sound so crazy. but you have to have, you know, cash in the bank and a good credit score and you can take advantage of what's good low mortgage sco