peter is an international business professor at the university of maryland and steven leeb, economist and investment analyst joining us from new york. these three all have something to say about this. and i will talk to them as soon and i will talk to them as soon as we come back. >>> break the cycle, the vicious cycle of home foreclosures and declining property values. besides my avatar friends you just met, hard luck harry, responsible roger and the others, i'm joined by some non-avatars to have the discussion because we can't really talk to avatars. christine romans is my co-anchor on "your money," peter is a professional in business and steven leeb is an investment analyst, editor of "the complete investor news letter" and he's also an economist. thank you for joining us. peter, i want to start with you because there's surprising disagreement on the value of this program and one that was announced by bank of america earlier this week. i'm hearing these terms moral hazard again, rewarding irresponsible behavior. largely from people who didn't do anything wrong. not that people who