And it's not temporary, however. Bank of America and Wells Fargo are both sitting on $20 billion each in foreclosures and delinquency units. That doesn't happen momentarily; it happens over time. However, the banks have been under an industry moratorium to process foreclosures quickly. That's changing because their liability figures on the books are so big. Now, just imagine what happens to housing pricing when those foreclosures are unloaded competitively versus trickled out. And those two banks are not the only ones. They're just the biggest.