what i see and what i am hearing, page-29

Warnie, I assume your posts are a joke? Otherwise not sure how to take them. Let's go through your latest one:

"it cant be because prices are falling (if they are)"

Just to take away from the little dispersions you are trying to cast in brackets there, here is a link (as everything has to be in link format I understand, unless it is supportive of your views)
http://au.ibtimes.com/articles/139437/20110429/australian-city-home-prices-decline.htm

Why are more people struggling? Because many of them purchased at a time of very low interest rates, and didn't appreciate the impact of future interest rate rises and cost of living increases on their mortgage payments.

Is that concise enough? Do I need to provide links proving interest rates went up from early 2009 to now, or will you take my word for it?