You’re a better man that I am, Contraman. You’re right, of course. But when I recall the looks of indignation I got when I sold my place two years ago, and subsequent pedantic prognostications that SD real estate was a no-lose proposition regardless of price, I’m filled with visions of future schadenfreude. I know a few acquaintances and friends of friends who are in real trouble right now. But I don’t have any family or close personal friends who indulged in this recent mania. So, as to the rest I say, “Screw ’em.” As my father liked to say, “Experience is life’s greatest teacher but her tuition is very expensive.” Well, the next few semesters are going to be a doozy.