“Now, suppose that a homeowner puts down only 3% of their own money or 3.5% for the FHA. That means if prices go down by only 3%, the house will be in negative equity and it would pay the homeowner just to walk away and say, "The house now is worth less than the mortgage I owe. I think I'm just going to move out and buy a cheaper house." So it's very risky when you have only a 3% or 3.5% equity for the loan. The bank really isn't left with much cushion as collateral.”
![“We have the ability to take him [President of Venezuela, Hugo Chavez] out, and I think the time has come that we exercise that ability. We don't need another $200 billion war to get rid of one, you know, strong-arm dictator. It's a whole lot easier to have some of the covert operatives do the job…” quote by Pat Robertson](https://sms4smile.com/quotes/img-quotes/194/pat-robertson-1972_ability_we-have-the-ability-to-take-him-presiden_23256.jpg)
![“[On President Bush's plan to get to Mars in 10 years] Stupid. Robots would do a better job and be much cheaper because you don't have to bring them back.” quote by Stephen Hawking](https://sms4smile.com/quotes/img-quotes/4f9/stephen-hawking-389_better-job_on-president-bush-s-plan-to-get-to-mars_42167.jpg)
