original housing price = $100,000, downpayment =$20,000, mortgage = 80,000 0 _# V' f# t# |6 T3 `- c; G& @% ]one year later, the housing is only worth $60,000, tell you $1.00 but must with the mortgage. Do you want it? $ O' S, X' r9 f/ _( y# w ' r! u1 S2 N8 NNo way !!!