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wall street journal, good-bye to the bathtub and the living room, smaller homes can help cost constrained buyers facing high mortgage rates. also boost the bottom line for builders who are contending with spiralling labor and construction costs and that's a really interesting concept. we have had folks like that, plumbers, carpenters, on this network and beyond saying it's hard to find work. demand so out there but they cannot find the skilled workers to fill it. so, what are we seeing happening with the housing market and is this a shrinking part of the american dream, robert? >> sandra, you have been spot on on this a few months if not longer i saw a phenomenon i'm not sure i've seen in my 40 years of finance. we have new home sales up over 35% year and year, 30%. where a majority of them are first time buyers.