Thius is a good thread. Very intelligent posts based on alot of thorough analysis. My quick two cents on a comparison between FBR and SL from a depreciation standpoint is that I really do feel SL is poised for a much higher fall then FBR. I think there is alot of speculative purchases in SL (alot by realtors/brokers) that will start to fall apart over the next few years. FBR just has so much old money and has alot more equity. You guys who have a few years to hang loose will possibly find substantial price cuts in SL. Raptor keep up the great work. If you never find a place you have done a great service in all of your legwork.