for theclear variable congress perspective is that home prices are rising. it is good for the economy. there is a negative side. we want -- we do not want to have to wrap it of a rise in rapid ofes and -- too a rise in home prices. are indicatings that they are having a very accessing the construction loan as part of the regulation which they are unclear as to exactly which is exactlyk part -- which is the part. related to the new world that is coming out in a few days, the 3% cap role, people will follow the 3% role. , will wellsppen in fargo take advantage of the fact that many of the real estate brokerage costs -- companies cannot compete in this space? out.are getting shut it means less competition over time here at broadly, that will hurt consumers. that is something we need to continue to monitor. the pricen brings situation which is much premier to consumers. >> thank you. i would like to thank each of you, the panel members, today for your input. it is such an important issue for us as realtors, not only realtors, bankers, regulators thomas consumers