Utah has done particularly well with the tech boom and real estate inflation, a lot of money floating around in bank accounts. Who can really tell if the recession that is going to hit hard later this summer and fall is going to affect everyone in Utah? I know a number of people already shifting plans from grandiose to a bit more modest. So I wouldn't take it that hard, the fact you keep the lights on, provide housing and give little johnny and sally other perks like sports opportunities and extracurricular opportunities at school, I think you are doing just fine.