sd and urban, on that topic, is it just you guys or is it just a whole lot smoother now? Last year, after a couple of failed tries, in which nobody got the house and the bank took it back and sold it themselves (for less in some cases, more in others) I swore them off because of the frustration and wasted time. Now I have a couple of new neighbors who recently bought their houses as shorts and report pretty smooth transactions and their houses are in a hell of a lot better shape than mine was. I see alot of them going through where before almost none did and they are more than 50% of the listings in my zip code. Have shorts found their time and are there enough of them to impact the foreclosures? I don’t know, it sure looks like more than a niche to me and something that never gets mentioned in the foreclosure doomsday articles.