I think that we are still some time away from seeing reel price reductions on bank owned properties. At the moment all the banks are still flushed with cash and the forclosures are just starting to come in mass. The last thing that the banks want to do is destroy their own pricing power, and will do everything possible to avoid price reductions and flooding the market. Eevntually, the banks will run out of free cash and will be forced to move property off their books quickly, but I don’t see that happening until the banks have to start cancelling yearly bonuses for the C*O’s to bolster their capital reserves. Likely FY08 at the earliest.