I wonder how big the HELOC freeze will become? I've spent the last couple years teaching people how to use their HELOC to accelerate paying off their mortgage. It doesn't take a big HELOC to do that.
I think the banks are closing the barn door after the horse have already gotten out!
I think all homes should have two potties in the master suite--separated by walls and doors! Protecting your partner from your sights, sounds and smells is true love.