Material comes all kinds of ways, and it's never a question of a lack of material or a lack of projects - I have tons of projects. The issue is to convince someone to give you the money. And it's a very different business than it was just 8 years ago.
One of the problems that we are confronted with is, when we decide to buy or build a home, we don't get a clear picture of what closing costs will be of that home.

