incomes will not continue to support the lower-end homes going for these prices in Utah. We're looking at a huge foreclosure issue in two years or less. In 2008 it was the Jumbo or higher values that took the major haircut, the lower-end homes didn't drop that much. But this isn't normal and it's going to have consequences at least in median income states that are not at the same level of California and New York. People are stupid buying these homes at these prices.