And then there's this news: <a href="http://finance.yahoo.com/news/Foreclosure-starts-jump-in-cnnm-15086408.html?sec=topStories&pos=5&asset=&ccode=" rel="nofollow" target="_blank">http://finance.yahoo.com/news/Foreclosure-starts-jump-in-cnnm-15086408.html?sec=topStories&pos=5&asset=&ccode=</a> Even though the government is doing virtually everything short of forgiving mortgages people are still being foreclosed on at an accelerating rate. In short; we're using a very large amount of wallpaper to dress up this mess. You can't build a good foundation with wallpaper.