Thanks, SD Realtor. I just re-read my post and I can see how I may have come across as insulting without meaning to. For that I apologize. I really meant it as an honest question. Thanks for offering a very clear perspective on who is buying. I can see now that it comes down to an individual’s current situation as well as what that person believes is going to happen in the market. No one can predict the future, so your opinion could be as good as mine.