water. let me just quote the president specifically. saying we're not done yet. he said the key now is to encourage homeownership that isn't based on bubbles by based on a foundation where buyers and lenders play by the same set of rules, rules that are clear, transparent and fair. >> the housing market is improving, no question. first time home buyers aren't really a big part of that. they're 30% of home purchases. they've got investors and cash buyers doing great in the housing market. also today from the inspector general who follows the president's, you know, plan to help homeowners, a lot of people are redefaulting. we still have some trouble in the housing market. it needs to be more widespread. he also talked about education. he's there in galesburg where there's carl sandburg community college. there's an example of where it works. somebody can go from inexpensive community college, transfer to yale, transfer to other