i came up with the idea for dibvy based on a couple of things, personal experience and then understanding the market from the market side. We looked at the rates of home ownership. They were at all time lows. And i thought, you know, people can't get mortgages. There has to be another option that we can offer them. So making them into a rent or letting them buy into the equity, sharing in the appreciation, a seem to seemed to be a good idea as a way to start....