This graph is nice to know in Jan 2007, but I have a feeling a lot of people who area already underwater and will give up anyways when time comes, will stop paying much earlier than their reset date. Do you think that’s likely? I know that’s what I’d do if I was in that situation. But I guess since I’m not your average buyer and ocrenter scenario seems more likely, these “phantom” inventory will stay “phantom” for a very long time.
