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help facilitate more mortgage loan modifications to quell the foreclosure crisis." "Home sales and housing construction have stabilized and I expect house prices to stop falling by spring 2010. A meaningful improvement in the housing market will not occur until 2011," said the economist. Speaking of the record-high budget deficits in the U.S., Zandi said running large deficits has been necessary to quell the financial and economic crisis [link widoczny dla zalogowanych], but the U.S. policymakers must rein deficits once the crisis ends. According to the Obama administration [link widoczny dla zalogowanych], the U.S. federal budget deficit would rise to an all-time high of 1.84 trillion dollars in the current fiscal year [link widoczny dla zalogowanych], about four times the record set last year. The deficit will total 7.1 trillion dollars from 2010 to 2019. Zandi argues the key to rein the deficit will be healthcare reform as this is necessary to lower the growth in future health care costs. If the growth continues, health care costs will result in ballooning costs for the massive Medicare and Medicaid programs. As the GAO noted in a report issued in 2007, the growth in health-related costs is a primary driver of the fiscal challenges facing the state and local government sector. "This is why credible health care reform this