I really think that you shouldn’t be so optimistic just now. In particular, that real estate is undershooting. The fact of the matter, with so many ARM resetting (see Second Wave), there’s still more room under our feet. And rightfully so, because I don’t want my children to have to sell an organ to buy a house when their time comes. As a matter of fact, since we’ve ended a decade that was virtually lost (see Lost Decade), given Japan’s example, it’s not far fetched that we could have another lost decade.