Just read where quite a few banks, haven't forclosed on people's homes, even though they havn't made a payment in almost a year. Banks credit rating with the Fed's will drop, and they'll have to have more money in securities, which they don't have. So let them live in the house, until push comes to shove, and hope for the best. Wonder if they'll do that when the credit card crunch gets tighter in the next year. Heard that will make the housing crunch look small. gypsyman