I don't think anyone would question that our market in the United States is changing, and will continue to change in the next few years. Also, the mortgage industry is tightening it's lending requirements probably to a greater extent than necessary as it overreacts to the excesses of the last few years. Some markets that had been going at a high appreciation rate are giving up much of their gains, and some markets are bottoming on rental prices. Does this sound too gloomy? In some areas there are reasons that justify this. In other areas, the market is still climbing. Why is Oklahoma City a market still climbing? First, we are affordable. In a recent study only 5.3% of the repossessed property was because of sub prime lending, so we are not strongly affected by this being a drag on the market. Secondly, we have a stable economy. Billions in infrastructure has been spent, state government has expanded, and the federal government presence is dramatically rising with Tinker Air Force Base and the FAA. The energy industry is booming again and has helped propel OKC to the top position in cities with the highest increase in income. Strong tax incentives and the low cost of doing business is bringing companies like Dell Computers with thousands of new jobs. More importantly we are not oversaturating our market. We will continue to sell single family homes but in smaller numbers. We are doing multi-use and multifamily opportunities, and next year we will have many commercial opportunities, and many at the cost of a single family home. In 2008 and 2009, look for markets like Oklahoma that have stability and steady growth.