Despite our very recent appearance on the planet humanity combines arrogance with increasing material demands even as we become more numerous. Our toughness is a delusion. Have we the intelligence and discipline to vigilantly guard against our tendency to grow without limit?

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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.