Although housing sales and starts have cooled to more typical levels the housing market remains strong and sound. Without the expansion of homeownership and the strength of our housing market our nation would not have the economic growth we are experiencing today.

More Americans own their home than ever before. Nearly 70 percent of American's are homeowners. So it is a good time for us to asses the positive impacts of homeownership on families communities and on the nation's economy.

Competition among insurers would bring down the cost of health care insurance just as it brings down the cost of car or homeowners insurance.