Predictions for 2008 What's yours!

I think for the industry, 2008 will be a continuation of the consolidation already in place.  prices will not firm up much, and Bank owned inventory will remain at high levels, and increase in areas where REO inventory is low.  The learning curve for banks is over, and hopefully their efficiency will continue to improve.  I do not see  a whole lot of traditionally listed homes moving except by sellers who are willing to compete with banks.  Interest rates will continue to fall, giving an excellent opportunity to those who missed the boat in the last run.  New superstars will emerge, and some dinosaurs of the past will be unwilling to catch up to the technology boom that is dominating lead generation of today.  Your comments?