By my tracking the peak for many of the housing types was March/April of 2004. I believe we have already seen up to 20% in many types of housing in various areas from that peak. Other zips continued to appreciate through 2005. My estimate is that we will bottom out in late 2008. I believe we will see 50% depreciation from the highs of 2004. Agreed with many statements that it will be hard to validate because of the way the raw data can be presented to the public.