october's median home price was $194,000, that's the lowest price in seven years. last month um to $213,000. now, let's just talk about the number affecting home sales and that is mortgages. the rate for a 30-year fixed mortgage, a rate to get if you have good credit and put 20% down on your house, 4.85%. why does that matter? because mortgage rates can entice you or deter you from buying a home. and knowing that, i want you to look at these graphics that i have got here. this is the rate of home ownership by country. here in the united states, the place that champions home ownership more than any developed country that i know of, home ownership is at 67%. in the united kingdom, 68%. canada, 68%. in australia, 70%. what are these countries doing differently to encourage more home ownership? more importantly, should we be encouraging home ownership?