Rich has avoided the flak that I get, because he avoids making predictions. I love a good debate; I must have said that a dozen times. I look forward to your arguments. Perhaps you will show us something that will cause me to change my mind about the 35 – 50% drop? Just to clarify, I am saying in the next 5 years, a 35% drop in the median San Diego County housing prices (condo plus SFH plus attached homes) is certain, a 50% drop is possible.