Well it looks like a wild ride for us in the Real Estate Industry from Agents to Loan officer's we all need to be Optomistic about this market. I believe there is a light at the end of the tunnel and the market will turn around for all of us. Once all the new regulations are completed and we have adapted to them it will be a much better place. The rates are staying where they should and housing prices are stabilizing this is a start. So stay Optomistic and be ready for things to come!