B
R-, is that so? I didn't know that.
A
You can borrow the money to pay somebody else to build your house but you can't borrow the money to build your own.
B
Well that sounds kind of dumb.
A
Well, it's to protect the, the banks from guys that say yeah I want to build my own house and go out a build a spec home --
B
Uh-huh.
A
-- and then it doesn't sell and then the bank's --