At this point there’s no reason to get mad, be thankful they paved the way for you. If all the 2/28 and toxic 0 down borrowers hadn’t caused the run up, the builders wouldn’t have added so much inventory that will soon be vacant. Like a hermit crab, look at all the pretty shells you will have to choose from. Had things leveled off in 2003 they would be taking off again now and there would be less inventory to choose from. You had all those years to prepare and save. I haven’t had to bust out any Lao Tzu for weeks but you forced me, “There is beauty in life’s disorder.” Some guy just ordered a bunch of Pizzas and couldn’t pay for them, rather be angry about how his large order delayed yours, offer the pizza guy half the price to take it off his hands.