Mark Zandi

Potential home buyers have a two-step decision process. First, they determine whether they can afford to make a purchase - does their income safely cover their mortgage payment? Then they determine whether owning is a better financial choice than renting - are the costs of owning a home lower than the cost of renting it?

What I look for when I see a piece of art for the first time is some kind of emotional, intellectual experience, that's a combination of both of those things and is informed by my knowledge and something new that I see the artist doing.

I came from a lower-middle-class postwar family in a time of austerity and retrenchment, with no one in the family who was in any way artistic or a potential mentor to a budding writer, and yet this is what I became.