I also read all of those other sites daily and agree with all of the data they present. If I could wait until 12 I would as well because I think that indeed is when we will have grinded through what we need to grind through interest rates and bailout programs not withstanding. Also it will be quite interesting to see what happens if we get political leadership into the white house that will advocate a more socialized approach to housing and an extension of massive spending. It is not a question of if but when we will see substantial interest rate increases and more interesting would be the reaction by our government if the foreign markets pull the plug on the purchase of treasuries… which as you know they already have slowed down on.