Understood jp1 and it makes sense. Afraid I got wrapped up and caused a diversion. One of my current passions is figuring out how to provide high quality housing at very affordable prices. It can be done pretty easily from the construction standpoint, but there are significant and frustrating roadblocks at every other point on the timeline. And you did have a very valid point about the historic barriers to minorities trying to enter the housing market. That goes way beyond just building codes and, IMO, has its roots in the Jim Crow past and is pretty much systemic from local governments all the way up to the federal level. Its the kind of thing we should all be a lot more aware of and a lot more pissed off about than we are.