I know everyone is going to be talking AAPL, AAPL, AAPL today, so I'll focus on something a little different. There was a great article that I read in the WSJ last night called "Why More Renters Aren't Buying (Hint: Weak Incomes, Savings)." I haven't honestly seen this trend within my realm of friends because most of them want to live in cities, but I definitely believe it. I bought a condo out of college and it was one of the most painful experiences in my life. The lenders were ridiculously unorganized, slow to respond (talking days between emails or calls), and they had a hard time believing that someone out of college had enough money to put a down payment on a place. It will definitely be interesting to see how this trend flows over time, especially as it seems multi-family strength has been driving the housing recovery. I also thought this quote from the article above was really interesting, "One popular trend cited frequently in the press is that millennials and other renters have permanently turned away from owning homes after watching their parents’ generation take it on the chin during the housing bust."