<i>Scott Polakoff, from the Office of Thrift Supervision, said “what we need to do is reduce unemployment and raise housing prices.”</i><p>What? Raise even more? The cost of housing is still way to high.<p>Basically all major attractive US cities are closed shut for first time home buyers. $400K and up for anything you'd like to live in. And what's an average starting salary after 4-year degree? $40K? $45K?