of special note... reading the subprime solution by robert shiller. i notice that this is what obama intends to do when elected (mccain wants to set up a commission so i don't know his plan yet) but, think about it, when he gets elected, implementation lag, we are already halfway into '09. if they wanted to do it, they should have done it much earlier. not sure if it will help much next year, by which time housing prices may have stabilized.