 Well, in spite of reports that both housing starts and new home sales fell in May, America's home builders maintain a positive attitude. Jim Tobin is CEO of the National Association of Home Builders. There is optimism, you know, despite our HMI numbers showing that the builders are pessimistic by and large. There is optimism that, you know, once we get these rates moving in the right direction, that's down, that things will start picking up.