Housing is as strong as ever, and the mortgage business is as good as ever.

The decline helps affirm cooling in the housing sector and is consistent with other broad-based data we have seen.

Home sales have remained surprisingly strong despite higher interest rates.

The job market was lousy, now it's been upgraded to good,

The job market was lousy, now it's been upgraded to good.

There is a good chance in the second half of next year, we see growth slow down fairly dramatically.