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hi, alex. good stuff. one of the big ones on the list, housing. right. we know about the housing bust. this is bad news, of course, if you bought at the wrong time, three or four years ago, trying to sell a house. what s happening in the meanwhile, housing is much more affordable than it used to be. housing coming back in line with incomes, where it needs to be. that had to happen sooner or later. this will be a net begin for a lot of families. housing prices and rents. rents too? yeah. and can people renegotiate? yeah, finally a buyer s market. it looks like housing prices maybe going to continue to fall into next year a little bit. and interest rates so low, this is a superb time to buy if you can. a homeowner or renter, probably some room like your family room and a lot of the things in that room. prices down there. right. ....