You may be right GN but there are a few things that I feel are accelerating the decline in my specific target neighborhoods. The artificially high number of forclosures hitting right now because of the Stonewood scam and the media jumping on it as a canary in a coal mine. All of the buildable land in my target area is under construction with about ten tracts in early or middle stages, the final two opened their models yesterday. D.R. horton just opened their development of 400+ homes and they look like they plan to build them all immediately (they are framing more than a 100 without buyers, it is likely they will slash the prices when they get to standing inventory. Resale inventory just hit record highs in my target zip code in my target price. It really feels like the perfect storm that will hit in the next six months, if it takes two years, so be it, but I am watching the clouds closely from here on out.