A．The mortgage market’s easing is on the way. B．Housing keeps taking peo

Man: Again, the business environment, what happens in the mortgage origination space, and what happens with interest rates going forward. You could have a refinance boom going forward, and that would create one situation. As you see, real estate sales are down. Real estate values continue to go down, which breeds dissatisfaction on the part of people out there who bought houses thinking they were going to make a profit. And so it just depends. You have to have confidence that Countrywide will continue to morph.