Banks are being pretty difficult, whether it's a re financing or even a first time mortgage, they continue to be so you're seeing evidence of that. The last housing market boom was driven by reckless lending standards and sub prime lending. So you don't see sloppy deals being done. I know, for my pespective, i really don't. You know, we have, e majority of our clients are in the new york city area but, you know, wetink, wev represent of people who've gone to other parts of the country.
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