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She smiled and accepted my offer. "My name is Jeannie. And you are...." she said as she reached out to shake hands."I'm Art, and I'm glad to help out a fellow carpenter!"She laughed and informed me that she was many things, but a carpenter was certainly not one of the things on the list. She said she did want to learn more about home repair and carpentry, and was thankful for my help. She told me where the lumber was and said she'd start some coffee if I wanted any. Naturally, I accepted the offer for coffee, and then was off to the garage to get the lumber.Soon, Jeannie was there beside me as I showed her how to get the saw set up to do the first cut. When she tried it, she was doing several things wrong and I was afraid she was going to cut herself, so I offered to show her how to stand in the proper alignment to the wood, how to hold the saw, and all the little things that go into making a simple cut. When she tried it, it was obvious she wasn't catching it."Here. If I may, let me. " Okay, that makes me feel better," Billy said, "but what I don't understand is this housing collapse. How does that figure into what we've been talking about?" Whew," Billy's Dad said, "and you say I ask tough questions. Well, let's see if I can explain this thing."Many, many years ago, when your mother and I bought our first house we not only had to have a really good credit standing, we also had to pass a kind of test. At that time, the 'rule of thumb' was a person should not buy a house that cost more than two and a half times their annual salary. Loaning only to people who had a good credit history or having someone who had a really good credit history co-sign the loan plus being sure the people who were buying the house fell within that two and a half times annual salary test, basically insured the banks would not lose money through people defaulting on their loans. Being almost guaranteed they wouldn't lose money gave them the confidence they needed to continue to loan money.".
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