Over the past few weeks there has been a lot of discussion about the future of Fannie Mae and Freddie Mac, along with the direction of FHA. This is important to all of us in the Housing Industry, as currently the US Government either insures/guarantees or purchases about 90% of all Mortgages originated today. I think we are all in agreement that we would like to see Private Capital come back into the marketplace, but at this time that is coming very slowly. There is no doubt that some changes should take place, but timing is going to be critical. Having the Government pull back to soon and the Housing Recovery would be slowed even further.