i admit i sat on my hands, page-8

Nickyjames,

dont overlook one important fact when going back over your past 10 years..

back then housing was at a 1:3 ratio, there was plenty of room in peoples income to always pay more.. always has been over the past 10 years.

at 1:7 ratio, there aint much left to give anymore.. the wall is about to be hit..