I feel your pain. I have to have major dental work performed and insurance covers little of the massive 10k in work to be performed so that I do not lose the teeth in my mouth. I get tax benefit but its a drop in the bucket. I renewed my lease for 15 months at least my rent has only increased by 10 bucks in past 2.5 years. Housing will drop in San Diego. It must- because the salaries and economics do not support the run up in prices. I make a good salary but not enough for a modest 2-3 bedroom home here. I may need to move out of California to a cheaper state or country place to afford a house in 2009 or 2010.