Everyone thinks we are in a bubble and it is going to come down. I am not convinced. Things are different this time. Banks had more strict qualification requirements for a loan, most mortgages are being done on 30 year fixed rates, not 5-7 year adjustable rates, and I can't stress this enough but there is still a serious housing shortage in Vegas. I do believe that the rate of increase will slow, and maybe you even have a slight downtick, but I don't see a major crash coming.