L.A. seems to have helped them. It's easier out there because there is less pressure. They seem to have left the bumps they were having over here behind them.

There's been a lot of stuff. I always seem to be in the middle of it. ... It always seems like I'm in the middle of something. Even when I don't do anything I do something. I tried to stay out of everyone's way and not do anything, but it's just the way it seems to go for me. What can you do?

James seems to be doing better. He doesn't seem to be as hesitant as he was.

Ultimately it seems to do well for me, I seem to do better so instead of me being my own worst enemy, I'm my own best enemy I guess.

But the rule seems to be that the bigger and more life-changing the decision, the less it will seem like a decision at all.

The easier availability of first mortgages has helped many marginal borrowers obtain loans and it has helped banks sustain loan volume and profits.