 percent and they're hesitant these people who locked in a two three and four percent to trade those in for higher rate homes and that reluctance keeps them in place limits the number of homes available to new buyers and then demand continues to outpace supply and it creates a challenging environment for guys like nick and and others so how do you correct one the housing problem right and what advice would you give to a first-time home buyer who's saying hey i need to get a house