Now that rates are moving up, we're seeing more aggressive offerings from banks.

We are seeing pioneers moving out to the Internet, banks that are taking transactions, retail shopping on the Internet, and although it's going to take most of a decade before most adults are turning to the Internet for a high percentage of their act

The manes are always pleased with offerings made in open, naturally pure places, on the banks of rivers, and in secluded spots.

We want to be aggressive.

You're seeing inventories creeping up and affordability pinching more and more, and you're seeing long-term rates creeping up. All that suggests a trimming of housing activity.

Banks are definitely in vogue at the moment because we are expecting rates to come down in the second half. So looking ahead, the lower interest rate environment is definitely going to be good for banks.