As every politician, economist, realtor and their armchair equivalents opine on what should be done to help the housing market along, a Cal Berkeley business school professor floated his proposal in the New York Times. The idea: the federal government should underwrite a down payment insurance program wherein potential home buyers can protect the upfront investment in a home from the numerous factors out of their control that ultimately affect their home's value. The idea makes sense...after all, there is mortgage insurance to protect lenders from the swings of the real estate market. Why should homeowners not have the opportunity to protect their investment? With many folks with the means to buy a home sitting on the sidelines, we thought it prudent to ask the question, Vote Now!