5 to 10 years if it were fully funded. the policy is out there, and the opportunity out there, and you think big, but you can't start with the decision that individuals are making bad decisions. the president gets a bad rap on a lot of the things that he does, but he is taking steps to move some of the systemic issues. for instance the department of hud put out a disparate rule that means that you don't have to have intentional discrimination to prove in court that it is happening, but instead, system is s thes that t mean to discriminate that harm people, and that is what happening in the housing market right now. >> yes, because housing and race are so connected. we will stay on this, and i have to tell you, if you thought they was mad at scalia or sessions? well, wait until i tell you about the folks at indiana. thu etting rid of dark spots will restore even skin tone? think again. introducing olay professional even skin tone. developed by experts in skin genomics to target 5 major causes of uneven skin tone