I read in this week’s AJC that mortgage orders were down 61% from February. I can believe it. This is the worst market I have seen in over 20 years of doing this. We will survive as a firm due to our low fees, I can not imagine how the big dollar firms are staying around. For the indefinite future I will taking on a limited number of litigation matters. My prediction is that the real estate market is at least one year away from turning around.