The current market in the Hillsborough area shows that many people are removing their homes from the market because they feel that they will not be able to obtain as much equity in their home as they had hoped. However, the homes on the market in our area are being priced reasonably and buyers are being persuaded to get back out into the Tampa Bay area and begin their search for their perfect home. Our area has a large concentration of foreclosure properties and homes are being purchased under the replacement cost values. Many buyers with long-term expectations for homes are in a great current market within our area. When the inventory of homes is drawn down, as it has been in our area by 0.5%, the pressure from the price will return because the construction costs are rising. Today's buyers are in a great position to develop wealth if they have their mind set with long-term goals.