Yes utcsox I have been seeing the same things as Jim. Anybody that bought in 2011 or 2012 is not underwater at all. There are people who bought in 2003-2006 who may still be underwater but those who state that this is some sort of great overhang, or a prelude to some drastic event are wrong. Similarly those numbers are decreasing daily. As I have said we have legged up sharply, I would expect that things will level off and then return to a more subtle appreciation rate. However in my opinion the only reversal of the trend will come due to sharp increases in interest rates. Again this is the sub market and types of homes I have been discussing.