Everything has changed, Fred, but for many people it is still the same. I am beginning to work with clients who sold their house short over 3 years ago. As you know, they can buy a new house. They have served their time, so to speak. So the question is current and relevant to many people. Especially to anyone who was involved in a short sale. If they want to buy again, and now is a great time with low rates, they have to get their financial ducks in a row. I recently helped a client who sold short 4 years ago for over 9 months; not looking at houses, but getting them prepared for preapproval. Once we got that done, they were pre-approved and within weeks put an offer in on a new home and are building the house of their dreams. Their lives changed after they lost their home. Lots of moving from rental to rental, with 4 kids. And these were people with good jobs and highly educated. They had a terrible personal loss, and in turn because their house was so upside down they lost it. These were not people who took out huge seconds to buy cars and boats and vacations. Maybe you don't get called all the time with this question, I do. You answered it again too, Fred.