I HAVE BEEN INVESTING IN INNER CITY HOUSING SINSE 1972 and have gotten fantastic returns as the interest of many people to live in the city has increased. Some of the returns have been over 300% so I feel that I can speak with some authority. The problem with housing prices is in part a shifting demand from suburban to urban interests. But a more serious problem stems from a sever economic imbalance in the healthcare sector which is approaching 20% of the US GDP and should be closer to 10%. This shows that about 10% of the GDP is wasted and no economy can tolerate such a level of waste. It amounts to over $4000 per person. For a family of four people it amounts to $16,000 a year, $160,000 over ten years and over a 30 year period amounts to about $500,000. That is the money the American family needs to pay down student loans, to pay down the mortgage and to save for retirement. At the present time they cannot meet any of these needs. The government has reacted to this problem by resorting to below market interest rates and deficit expansion (which I see as "steroid economics") While history has shown that government supports for many different industries has always distorted the true competitive economic picture and will always exist there is a need to reshape it when it gets far out of balance and that is exactly what the healthcare industry has been and continues to do to us. The budget for the American family is stretched too far and that is one reason why they opt to walk away from a house when the mortgage payments get difficult to meet or if they are one of the two million people a year who file for bankruptcy because of the excessive cost of healthcare.