Well as we enter into the new year many speculators are talking about how the second round of adjustable rate mortgages are going to come due. How will this affect us in Fort Lauderdale. Well as more of the mortages adjust you will see many people again fall behind and ultimately go into foreclosure.  I think for many of the Buyers sitting on the sidelines 2009 might be the year to pick things up at the bottom of the market.