We had a million starts which is disappointing once again. You just don't have that. You've got regulatory concerns, you have issues involving FICO scores. I think that what you can see is under Trump there could finally be the millennials moving out. But right now we're just not making enough homes. And I think Lennar will talk about credit. But Lennar will tell an upbeat story. It just may not matter given that mortgages rates have gone up so much.