text:  And anybody can tell you that's out for shopping for a house, that inventory of houses is still relatively low, although not as low as it was a year or two ago. And one reason is that a lot of people refinanced their mortgages a few years ago, and they're extremely low. And if they were to move now, they'd have to pay a much higher mortgage, and so they just don't want to do that, so they're staying put.