Cindy, you are a bit off on your unsold inventory calculation. Three months ago were were at about 18.5 months unsold and now we're at 20+ months unsold inventory. But what does that have to do with the question, other than let us know that prices may drift downward still? It doesn't mean that there aren't great buys out there right this very moment. And Ed, we've not had a good market to flip in for some time now, and I'm guessing it may be 2-3 years or more before the market out here is suitable for flipping. But for Buyers who intent to live in what they purchase, there are many opportunities right now. And even though Ed is surprised not more agents get loan packages upfront for quicker response times, I say that it really is the bank's call, and for those of you who check the NOD's, you know a huge percentage of them are with Countrywide who doesn't even want to speak to you unless you have an offer on the table. They tell the agent and the owner something different every time you get them on the phone. I'm all for quicker response times, but that's more under the control of the bank than the agent at this point. And John, so great to have another voice of optimism, and good to see a familiar face. I was beginning to think Antioch hadn't really joined the bloggosphere yet, but you are renewing my faith!