6. AIA stimulus to help housing. We can start with a 30-35 home mortgages at 3-4% for a limited time of 2 years, tax credits for Residential Architectural services, a one month per (24 months paid on a mortgage) credit to allow homeowner to skip, with the government paying the juice up to $3000 interest per month, and allowing home owners to use extra money they have put down on their mortgage as monthly payments, and involve the AIA in a dialogue with bankers to devise a mortgage system that is based on the cost of buildings over their lifetime as opposed to only initial cost. (we have always known this).