Really good post cyphire. Specially the last part about keeping the wives/children happy. I do think that the few buyers who are still left in the pool, are much more responsible fiscally. Still I do know of a few who in no way shape or form should be shopping to buy. Yet that number is much smaller then it used to be so perhaps there is hope. As long as the government keeps their hands off the market, then it will do what it needs to do (which is continue to depreciate) and filter out those who should not be in it nor should have ever been in it. (10 year treasury is gonna bust through 5 in a heartbeat)