Commercial Real Estate investors in Panama City and Panama City Beach have some hurdles to jump in 2010. Commercial loans are coming due and values have decreased over the last 12 months. Investors are being forced to come up with additional equity to renew loans. However, I believe Panama City / Bay County will be the first real estate market to turn around. The new international airport, widening of Highway 79, widening of Highway 77, realignment of Highway 331 near Freeport, are a few projects that are attracting national companies to Panama City. We all need to thank our State Representative, Jimmy Patronis, for going such a good job. Thank you Jimmy!