No tenants are found, no rental payments are collected, no mortgage payments are made, the house goes into default, turns out it's not worth anything, and the borrower is left holding the bag and their credit is destroyed.

Compared to the 30-year fixed mortgage, the 40-year fixed mortgage offers monthly loan payments that would be less than a 30-year mortgage on the same house.

I can buy a house without a mortgage. I can have a car without a car payment. I'm so relieved.

I found the rubber first down in Turns 1 and 2, ... I searched around for it in Turns 3 and 4, I just didn't go down low enough. It looked blacker right in the middle, so I tried it there. I was still loose there so I started running the top. I just didn't go down low enough to catch it. If I would have gone down there I would have been all right. I didn't catch it until I saw Danny go by and it was too late then.

It's no longer the default segment that everybody just falls into. You have to have a product that's that much better to pull people in -- or depend on fleet sales.

I haven't found any servants in this house. Just me. That's it.