80% Drop in home ownership affordability since 2020... https://stocktwits.com/Rcx2017/message/567832200 That is like, like 20% annual rate, which is touch above FED target of 2% inflation... Guess what drops to help get more folks able to buy homes?... FED lowering rates won't help expand number of people able to buy homes... So the top came two years ago in prices and folks have it on ignore... That is why the FED set up what has the appearance of an off book account to move troubled loans from banks to a FED hold account to move the banks to a better REG rating on loans held... There is a line of banks waiting for the FED to move loans off book for them... So we watch...LJ