The housing market, and in particular, the Condo re-development market has been on a slide for the last 9 months in New England. I speculate that the slide was in part created by the speculative increase in the fuels market, specifically gasoline. I believe the consumer tolerance for gasoline is roughly $3 per gallon. Real Estate business in the NE basically turned off once the prices broke this barrier. What do you think created the downturn in Real Estate?