It seems the Whitehouse/FED plan is to keep making borrowing for homes cheaper and for shopertainment cheaper. but credit cards still charge 19+% for shopertainment borrowing. banks are tougher now to lend. And with people burned from hearing about joe six-pack underwater, or others scared of buying do to the poor job prospects making buying a home a huge risk is putting them off from buying. buying homes won't help the economy anyhow. The only thing I think they want more homes is so people can shopertain and fill garages with crap they will never use? so why is what the fed has been doing the last 2 years supposed to help the economy?