I must be getting old. I guess shes not bad for an old crow. She was just on Bloomberg slamming Nouriel Roubini for being bearish. You know the party is not over Liz Ann. Oh jeez, now she's saying as long as real estate price appreciation is greater than mortgage interest rate increases, real estate is buy. Good luck with that one babe. There is no way the banks want to make 30-year loans in the face of rising interest rates, especially now that they cant dump them on the GSE's. Same situation as the late 70's, and thats why the GSEs were created. Look how well that worked out. How quickly they forget. Oh well, what do you expect from a bank analyst? Is it just me or do Liz Ann and Janet Yellen have the same jowels.