IMO, Mr. Obama has alot more to do to help home owners's! Alot of folk's are in bad shape. For one, he has to extend and expand the incentive for a person to buy a home. Thank God that we have Mr. Bernanke as the head of the Federal Reserve!! He is a student(what I have read of the Depression of the 1930's). Mr. Bernanke is a good South Carolina person that will get us out of this potential Depression!!!