sd, I like that you acknowledge that you are having an internal struggle on this. Experience and history will probably prevail and your prediction will be accurate, but I concur that there are some x factors at play and I would not be in the least bit suprised to see some fireworks soon. Can you elaborate why you picked those dates, is it because historically it is a slow time of the year for sales? Or is it that you think the media is going to go nuts when the summer numbers are tallied and they suck on an epic proportion? The lender tightening today is going to hit the numbers in the next 60-90 days, right in line with your prediction calendar wise.