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Yeah that and uncertainty in the job market. I think many people have come of age in the last 5 years watching housing prices plummet and people losing their jobs. No one wants to be in a situation where they are going to be stuck in their house or else foreclosed upon. And even if they do want a house good luck getting a loan these days as a young person. The banks don't want to lend. If only the federal government would come up with a way to get banks lending again. Something like a massive debt bailout in exchange for a promise of lending. Hmmm, wouldn't that be a dream world? :)