this thing's got to work. >> dennis gallagher, remember, you have to check into the yield. check with your accountant if you want to. this is a different kind of tax structure than you may be used to. stay with cramer. humans. even when we cross our "ts" and dot our "i's", we still run into problems. that's why liberty mutual insurance offers accident forgiveness with our auto policies. if you qualify, your rates won't go up due to your first accident. because making mistakes is only human, and so are we. we also offer new car replacement, so if you total your new car, we'll give you the money for a new one. call liberty mutual insurance at... and ask us all about our auto features, like guaranteed repairs, where if you get into an accident and use one of our certified repair shops, the repairs are guaranteed for life. so call... to talk with an insurance expert about everything that comes standard with our base auto policy. and if you switch, you could save up to $423. liberty mutual insurance -- responsibility. what's your policy? >>> have we been had by the home builders

this thing's got to work. >> dennis gallagher, remember, you have to check into the yield. check with your accountant if you want to. this is a different kind of tax structure than you may be used to. stay with cramer. >>> have we been had by the home builders? i want to say no. at this point in earnings report, you've got to be in shocked about the endless denials. plus, when you consider this morning's home sales. at least according to penny's sales numbers and gordon's rates, pretty much stopped housing sales in its tracks. moderation are net sales pace after mortgage rates began to increased according to the cfo. while each home buyer responds differently to changes in mortgage rates, we continued. we typically see short-term moderation of buyer activity during periods of mortgage rate volatility as potential buyers adjust to the changing rate environment. in other words, they got real sticker shocked and decided to put the buys on hold. and who knows what the quarter was and how badly the cancellations spiked in the last month. there was a grudge in -- affordability, t

gallagher, 8%. this is a return of capital situation canadian company. these are tougher. this is a company that we have to check the cash flow can cover the dividend. >> see you tonight. >> thank you. >> 6:00 and 11:00. the ceos of the huge merge enwean omnicom and publicis. ♪ ♪ ♪ ♪ [ male announcer ] if you can't stand the heat, get off the test track. get the mercedes-benz you've been burning for at the summer event, going on now at your authorized mercedes-benz dealer. but hurry, offers end july 31st. if then schwab is the placeing your trato trade. higher level, tdd#: 1-800-345-2550 going on now at your authorized mercedes-benz dealer. call 1-888-284-9410 or visit schwab.com/trading to tdd#: 1-800-345-2550 learn how you can earn up to 300 commission-free online trades tdd#: 1-800-345-2550 for six months with qualifying net deposits. tdd#: 1-800-345-2550 see how easy and intuitive it is to use tdd#: 1-800-345-2550 our most powerful platform, streetsmart edge. tdd#: 1-800-345-2550 we put