So tell me the logic in this: The government puts out this great first time home buyer program where loans have to be closed by June 30 to get an $8000 tax credit. Then Congress fails to fund the National Flood Insurance fund and the 100% USDA Guaranteed fund, so the buyers that WANT to take advantage of the First Time Homebuyer Tax Credit actually can't. Now those buyers will either lose their escrow deposits because the deals crashed and burned, or they won't be eligible for the $8000 tax credit because the transactions will close after June 30. Sometimes, it seems like things are counter-productive. This ISN'T helping the economy one bit!