We don't yet know whether La Costa will have a decline in values over the coming year. On the positive side, there are very few foreclosures and REOs in the area. The foreclosures in the inland part of San Diego (e.g., Escondido) have put tremendous downward pressure on values as the banks wholesale properties to get them off their inventory. Since La Costa is not a cheap area, the owners usually have greater means to sustain a negative financial event and most homeowners have equity in their homes that they are not willing to lose to foreclosure. Having said that, I know of one home in particular in a new part of La Costa that is very likely to be foreclosed on in the next few months, and, of course, the wholesaling of that property will not be good for its neighborhood. I think it is highly unlikely that homes in La Costa show any gains in value this year, so at best it will be flat, and there is the possibility of a small decline. I am somewhat doubtful about any major correction in La Costa, but we won't know until the year unfolds and we see what kind of inventory we have as well as buyer confidence. (If your question is any kind of a guide, it may mean that buyer confidence is still a bit shaky.) I'll see if I can go pull some statistics on what is going on in the different value markets in La Costa.