W​‌‍‍‍‌‍‌‍‍‍‌‌‌‍‌‌‌‌‌‌​hy do high-interest rates so adversely affect the demand for ho​‌‍‍‍‌‍‌‍‍‍‌‌‌‍‌‌‌‌‌‌​using and yet have so little influence on the demand for pizzas​‌‍‍‍‌‍‌‍‍‍‌‌‌‍‌‌‌‌‌‌​?