Absolutely, Dave. I'm still waiting to see someone around here charge $700.00 for a tow charge. But, before people run down the gun companies for their profits, they need to remember that factories pay electric bills, oil bills, unions, etc. There have always been top brass pocketing big bucks- that's the American way. I just retired from a steel mill a few years ago. You don't have to tell me about the people who lay around and won't work for their money. And as far as home loans are concerned, people should have had enough sense not to get in too deep. The rule of thumb back in the seventies was- the bank wouldn't give you a loan (in this area) if the monthly payment was larger than ONE WEEK'S income. That means that if you and your wife work, your house payment shouldn't be larger than what you both bring home in ONE WEEK. If only the man works, the monthly payment shouldn't be larger than one of his paychecks. You mention that to a real estate agent now days and they never heard of such a thing. That's why people go under.