^ Specifically, why are financials and REITs surging on the homebuilder index, while mortgage foreclosures are soaring and the moratoriums are ending? Which humans are accounting for these surges? Moms and pops? Average people? I find it hard to believe that at this point the major market movers are still responsible for the rally. What is the breakdown of % volume of joe person vs. fund? Why would private funds who understand--or should, at least-- how poor the fundamentals truly are, risk by buying into this kind of market? Who is convincing the middle class to pour their cash back in?