sdrealtor, you just hit on what’s going to really drive these prices down. There are a lot of folks out there that aren’t “the brightest bulb in the box”. So many of us on this board are successful, high-earning, highly-educated types that we tend to think everyone else in the world is just like us. People who make poor financial decisions end up getting into trouble more frequently than those who don’t, and they’ll be forced to sell, declare bankruptcy, give the keys back to the bank, what have you in large numbers once the fuzes light on these thermonuclear loans. Those properties will set low watermarks in the comps and competing sellers will be forced to lower their asking prices, if they can afford it. If they can’t, well then they’ll join the ranks of those turning their keys over to the bank. 2007 is just going to be a warm up for the real action in 2008 and 2009. Just my $0.02…