"There are a number of qualified people who may have just graduated and gotten their first state job, and have some student debt, so they don’t have a big nest egg to put down..."
http://www.zerohedge.com/news/2017-10-26/what-housing-bubble-sacramento-development-pushing-425000-pads-no-down-payment

Realist - Everybody in America is soft, and hates conflict. The cure for this, both in politics and social life, is the same -- hardihood. Give them raw truth.