And that's where I think a well-thought-through policy of incentivizing the new while recognizing that there's going to be a transition process -- and we're not just suddenly putting the old out of business right away -- that has to be something that both Republicans and Democrats should be able to embrace.
"If you've been paying your mortgage for 20 years and deferring a lot of pleasure for later, to have that suddenly taken away, well, that can be hard on people, " says Jonathan Rich, Ph.