<prompt> Translate the following text to EnglishHata hivyo, mabadiliko ya mapato na uwekezaji hayakuja kwa kiwango ninachotarajia, kwa hivyo bado tunaumia kwa malipo ya mkopo wa nyumba ya juu na hatujaondoka chini yao bado.  <response>: and uh the uh improvement in uh income and uh investments and so forth has not uh come at the rate ive expected so were still kind of hurting by the uh high mortgage payments and we havent gotten out from under them yet 