ARRGGGHHHH! Stop with the median is down only X% so far. Enough already. You know better. You know its a useless measure. If you want an ounce of credibility start posting real examples you are seeing in the field. As an appraiser you see refis in addition to purchases. That is something of real value that you can provide not the same nonsense we get from the industry talking heads. We have enough babbling fools out there. Step up to the plate and truly add something of value. Tell us about how the values are coming in relative to prices paid the two to three years ago.