I know about six couples who are underwater right now. What’s interesting and very logical, but somehow no one discusses it openly for some reason, is that some of them have, say, two kids … and they want 3-4. But they can’t get to a place in terms of domicile where four kids would be logical vis-a-vis the current market. Sooo… they might end up at two kids (which is NOT replacement rate) instead of 4 (which would be). See how housing macroeconomics can stagnate society a bit 20-30 years downstream?