A lot of first-time homebuyers think they have to have a sizable down payment when that's not necessarily the case because the 100 percent product, and even the ones where closing costs are absorbed, are really prevalent nowadays,

This is really the first fall that everybody's on it, ... I think there's some social pressure.

But because over 6,000 Harvard kids signed up within the first three weeks, it seemed ridiculous not to open it up to a few other schools,

...we think it's about giving consumers choice, we think it's about not necessarily asking them to pay over the odds for a technology that, at the moment, is unproven. It's an interesting bet to play -- we're watching what goes on, but I think we're offering a broader, more flexible choice that doesn't burden the consumer with a cost element that may be wasted.

Maybe at some point, I could see a time when sidewalks are in, but right now they're not.

When I make albums, I do a lot of songwriting but not necessarily a whole album,