My comment will probably only serve to point up how old I am. I heard on the news the other day that people have been being approved for mortgage payments which equal 40-50% of their monthly family income. I remember back when hubby and I bought our first house in 1970 the typical mortgage payment could not exceed 25% of your monthly income. Also back then the mortgage company wouldn't consider my salary because it could stop coming in should little ones come into the picture (that was back in the days of stay-at-home moms). People were not running up their Visas and Mastercards because they were not yet on the scene. The only credit cards then were for retail stores. You simply saved up your money when you wanted to buy something. Those were some conservative times but much wiser times for sure and now you can tell just how old I am.