Considering the current turmoil in the banking industry especially due to this mortgage crunch which leads Fanni Mae and Fessie Mac to the down should sure to lead another -15% hit with in a months and there is no doubt in this. Falling nife now get some speed – so now watch the sharp declines in 4S and Delsur and futher Carmel Valley – having said that I am not ignoring the unemployement hit would add much further !!