This manual press on the Up helps the app to know when you first lie down in bed, so it can measure how long it takes for you to fall asleep.

WSJ: A Health Monitor to Nudge You as It Keeps Watch

So assume just 15% of first time home buyers were getting in with zero down and were allowed to lie about their incomes.

FORBES: U.S. Housing Market Still On Life Support; Prices At 2003 Levels