david: you said your business at taylor morrison is doing well.e it do better or worse? more well or less well? is the disposable income or how much people are making? sentiment or people saying i would rather spend my money somewhere else than buying a house? sheryl: i do not think so. i think the consumer feelings are good or they feel good about their jobs, they are financially more secure than they have been. about thelk demographic tailwinds and the millennials, if you were to chart this for the last 20 years, 30 years, 40 years, we would see homeownership rates really have moved about a year every few years. we are seeing millennials not purchase homes until probably 32, 33. a life change -- marriage. probably more relevant, children. that is what is enticing them into home ownership. i think the millennial tailwinds will continue to work in our ofor as a large group millennials today are just turning 30 and 31. we are also seeing another interesting trend. that is consumers are buying less than they can afford today. our we look and test ba