housing crisis. people took advantage of a lot of people who did not have a lot of wherewithal in terms of financial knowledge about housing. and, you know, by manipulating debt to income ratios and the various types of manipulations for credit that were done. they put people into houses that they couldn't afford -- maria: i see. >> -- which is not doing anybody the any favors. you lose your house, you lose your credit, you lose your future opportunity. we're still recovering from that. and it is very important that we do what we can to get people back into housing because the average net worth of a renter is $5,000, the average net worth of a homeowner is $200,000. maria: yeah. >> that accounts for a lot of the income gap that we are seeing, and we're working very hard to correct that. maria: i just found it interesting that hispanics are doing so well, and you're seeing such a difference in terms of the black community. secretary, it's always a pleasure to see you. thanks very much for joining us this morning. >> thank you, maria.