During of the financial crisis and Great Recession, many home owners in the United States are said to be underwater: the value of their real estate fell below the value of their mortgage. Suppose that Laura, a home owner, had a positive wealth in 2008. In 2009, unfortunately, her wealth is negative. Does this evidence necessarily imply that Laura dissaved over 2009? Explain. (Hint: Think about endogenous and exogenous factors of wealth accommodation.)