That’s just the historical data. Look obviously the details matter - we can cherry pick cases in either direction that “won” or “lose”. The point is more that

That’s just the historical data. Look obviously the details matter - we can cherry pick cases in either direction that “won” or “lose”. The point is more that the sentiment in OP is common but wrong, it’s not obvious. One thing I didn’t get into is US specific but often it’s the mortgage tax credit that makes it worthwhile but again, it depends ....