SD Realtor: I also get your point and see your rationale. The only thing that I would point out to you is that during the last crash in CA, the operative word was that it would never hit the beach communities or the high end areas. Well, you and I both know what happened to LaJolla, Beverly Hills, Brentwood, North County, SD, etc, etc etc…………so although at this time, those areas are not getting wacked too hard at all………time will tell if it’s also going to also rain on their parades.