It's not something we have had to do in the past, but in our present environment, re evaluating your buyers should be something to consider. As the mortgage industry tightens its rules and requirements for different products, many home buyers no longer qualify under the new rules. We are finding some buyers have to be switched to FHA because of the new direct underwriting standards of Fannie Mae. Now there will be a new round of FHA tightening to take effect next month. I urge everyone to contact their mortgage reps and investigate whether their clients will be affected by the new requirements. There is nothing worse than to find your clients no longer qualify after entering a contract. We owe this to both parties.