Well... I've never seen 20% loan interest unless it it was hard cash and that the buyers problem, not the govt. I've seen 12-16% years ago, but back then people made better money too. I even bought my first house at 12%....ouch.

As for the unemployement records being low, everyone knows that these stats are generated from current people on unemployement assistance and those that fall off after a year are no longer counted. This stat has never held any weight other then sounding good at voting times.

Next.....