Yes, TsunARMi is coming with all the resets just beginning in April. I wonder how many will be felt here in Southern California? And, how many people don’t even realize what their adjustments will be? Can you say “REAL ESTATE FRAUD” I’m hearing more and more stories about how supposedly, even the mortgage broker didn’t understand all the terms because of them buried so deep in the “DOCs”. Especially here in California, which is the most lenient state in the country, when it comes to selling home mortgages.