It's kept millions of families in debt and unable to spend, and it has left hundreds of thousands of construction workers out of a job. But there's something even more important at stake. I've been saying this is a make or break moment for the middle class. And the housing crisis struck right at the heart of what it means to be middle class in this country: owning a home, raising our kids, building our dreams. Right now, there are more than 10 million homeowners in this country who because of a decline in home prices that is no fault of their own, owe more on their mortgages than their homes are worth. It's wrong for anyone to suggest that the only option for struggling responsible homeowners is to sit and wait for the housing market to hit bottom. I don't accept that. None of us should. That's why we launched a plan a couple years ago that's helped nearly 1 million responsible homeowners refinance their mortgages and save an average of $300 on their payments each month.