 If you've listened to the show in any period of time, you know I was a chairman of the board of a bank for a couple of years, so I understand banking far more than most people. The reason why banks will typically only loan you 80% loan to value, say on a home equity line of credit, is banks understand that real estate values can go down. Anybody who remembers 08-09 remembers that real estate values dropped quite a bit in some parts of the country in particular.