Right now, as long as the prices are steady and people have their jobs, I think they will do what is needed to make their payments and avoid the foreclosure process.

If it stays at this level for about six months or so, you will see the prices of other products and services increase.

The employment numbers are pretty decent. But the concern I have is that two of the sectors showing the most strength construction and financial activities are very interest-rate sensitive.

That's a huge revision. The economy of the Inland Empire is much stronger than they were originally reporting.

I don't think a lot will change right away.

Real estate is a big concern, and we're going to have to watch it carefully.