“Are you seeing any effects from the current credit tightening?”

That seems to be the difference now. Though there has been a lot of talk about tightening credit, I don’t think it has really happened. With all the news this week though, I think it is finally starting. If folks can’t get the loans, they won’t be able to buy the homes. Only those who have large sums of cash will. And hopefully not too many of them are fools.