This housing crisis is not over yet. ARMs resets are still going to be painful and many homeowners will probably be denied a refi since LTV is over 100% and rising due to depreciating home values. Would it be a fair statement to say as mortgage rates rise, the value of real estate decreases? Bernanke is talking tough to save the dollar along with running the printing presses to save Investment Banks, but he forgot about the American consumer, who is getting the shit kicked out of him by mass layoffs, high gas prices, and increasing mortgage interest rates. Another day in the Enron economy.