We're going at the pace the market will bear. We will not build it and hope they'll come.

HOPE VI isn't here just to build houses. It's here to build lives. The hope is, if construction is for them, they can figure out their specialty. By helping them to start deciding on careers, we can help them down the path of homeownership. That can lead to the building of equity and wealth in their lives.

There is only one side of the market and it is not the bull side or the bear side, but the right side.

They'll only be limited by what the market can bear.

During those years, a market used to last about 9-10 months. In 1990 we had a bear market which took 3 months.

It certainly is a bear market,