nor-la-sd-guy. I like your posts but I don’t feel confident in things turning for the better next spring. Too many homes that should be in foreclosure aren’t, too many commercial loans going bad. I would feel more confident in your estimation if the foreclosure process was allowed to go its natural course, get through the bad loans and then come out the other side having gone through the worst of it. I agree with the football analogy guys above that too much reinflating of the bubble has been done, trying to get the market back up artificially to avoid the bottom but all they have done is to postpone the enivatable and possibly make it worse.