dropped and you lost some money there. it's a moral question and it's complicated because in some parts of the country you can walk away from your house, like in california. in other states like florida, it's a little more complicated, you just don't hand the keys over and walk away. you may still be financially responsible. so, at the end of the day, a lawyer always needs to be involved in this. you hear about people putting their keys in the mail and sending it to the mortgage holder like a jingle mail they call it because it jingles when it arrives. not the best thing to do if you don't follow it through with all dotting of the is and crossing of the ts. >> kerry great stuff, thank you. it's shaping up as one of the top election issues this fall, not just the whole market, but, of course, the economy overall and the political battle over taxes. let's bring in right now david stockman, served as director of the office of management and budget under president reagan. you know what it is like to be in the middle of a firestorm and you certainly were. let me ask you, first of all, to