Dont know how much this pertains to the conversation but I read in the UT that only 9% of SD County residents make over 75k a year. Even if a lot are 2 income households it seems like thats hard to pay a mortgage on a million $ home. It was a good article talking about the hourglass shape of incomes in the county. The upper incomes are increasing and the lower are too but the middle incomes are stagnant. Good solid middle income jobs are being replaced by lower paying tourism jobs and high paying execs are coming here. Also on the high end education and healthcare is doing well. I had to go to three breakfast joints this morning to find one without a 30 minute wait. People definately are not eating at home. I eat out at least 8 times a week and the restaurant business is good. At least the middle of the road type places. Only eat real high end once a week and they are hit and miss as far as business goes.