toots my read is that what few quality buyers there are that are left out there, are those that are looking for value, good school districts, somewhere they can either retire or raise a family. I think this will have the greatest impact on communities like the central area. I am not trying to be disparaging to the communities in 92104, 92116, etc… I am just saying that I think with an already thin pool of buyers, these places will really be hurting and should come down quicker then other areas that are discussed here alot.