Mortgages - The Anti-08?

In 2008, something like 40% of mortgages in the US and the U S and O eight were fixed. Now I think we're 90 something percent conforming mortgage, which is to say, people who have the mortgage have demonstrated the of equity. The banking system now gets stress tests for events that were worse than only last time. And partly they have more capital. They spent a decade doing not for a build capital. We changed the rules of what counted as collateral capital. So, you know, the cardboard boxes no longer count as capital. This is the anti Oh, wait, if you're a residential mortgage for so that's the bulk of us in America, your bowl. Especially