Bylo Im listening and have been since 2006 when I started posting on how bad housing actually is. No one comprehends how significant this crisis is. As I have said before the bottom is very far away and the magnitude of this problem not even close to being fixed. Foreclosures have yet to peak. There are millions of houses in foreclosure and billions of ARMS yet to reset which means billions and billions of writedowns yet to come. Greed destroyed this economy.