Won't you kind of give me some of those numbers and just to give people a perspective on the other side of the K, I guess to say.

Yeah, so within the past two weeks, me specifically, I've pulled 33 credit reports.

And out of the 33 people that applied, only six of them actually ended up getting pre-approved to purchase a home.

So that is – I think that's just more of a, hey, we are really in a K-shaped economy because people want to buy a house.

But it's – that lower shape of that K, it's – those are the people that are having issues paying their bills, saving for a down payment, qualifying for a first-time homebuyer type house, which is now in the $350,000 price range.

So it's getting very difficult for that lower K to get pre-approved right now.

Can you explain a little bit about how a capital gain might kick in, Craig, how it might kick in on a real-life basis here?

Yeah, and I think part of the government involvement, they're trying to figure out ways to... basically re-energize the housing market.