Just a side note. I have closed approx 100 short sale listings in the last 3 years. The have invloved public sector and private sector workers. Some have been strategic defaults (taking advantage of the non-recourse nature of some loans) while others have involved legitimate hardships. Going back in my mind and thinking about the public sector workers I have doen short sales for I cant think think of a single one that wasnt strategic to a very large degree. I guess job security does that.