The Second Question Was About 3G Companies

Clayton is a very productive part of the economy, but we can't make lending to poor people by houses 100% successful for everybody. Personally, I've always wondered why manufactured houses don't have a bigger share of the market. The big causes of default are the loss of a job, death and divorce. That happens with high priced houses as well, but it happens more often not with people that are living closer to the edge.