i'm going to start with you, susan wachter. we just heard-- and i believe you were able to hear him-- jon ralston in nevada describing the situation out there. he said what people want is a light at the end of the tunnel, some kind of help. do you see in this new plan that the administration rolled out today something that homeowners like them will be able to grab on to? >> yes, i do. i think it's a win-win. i don't think it's a game- changer but i think it does help get to that light at the end of the tunnel. i think it's a help. it's a help not only for the homeowners who will be able to take advantage of the historically low interest rates, who could not before because they were underwater far too far. of course nevada will have many of those homeowners. but it also will help markets because fewer homes will come on to the market continuing downward pressure. >> john taylor, what do you see in today's proposals from the administration that could make a difference? >> i'm not as optimistic as my friend susan. but i really loo