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good morning everybody uneducated Economist here so a lot of people want to talk about the housing market it seems to be like that is what everybody has on their mind and its amazing when I think about how many people out there I have talked to who seem to have it all figured out about whats going to happen with the housing market huge housing market crash everybody keeps talking about and we have covered this many times I have tried to cover every angle I can about whats going to happen with this housing market from the mortgage lenders to landlords real estate agents Ive talked to I havent had them on the show yet but Im getting them you know I have talked to a lot of people in trying to figure out what it is thats going to take place with this uh with this housing market coming into the future and really what I think about is how fearful everybody is think about that when people are fearful what do you do because right now everybody I talk to like everybody is getting ready