The industry has performed very well. We've seen record levels of profitability.

This may start to pinch some consumers' wallets.

Housing and commercial real estate have been a very important part of the economy in the Southeast and Florida. Banks are financing all of the development.

The rapid pace of appreciation and other negatives has made housing become very unaffordable. About one-third of home buyers can afford the median price of a house using the traditional down payment of 20 percent down.

While Florida has been an incredible job engine, wage and income growth has been relatively soft.

Being compared to Ian Thorpe, that could be one of the greatest compliments you could ever get in swimming - being compared to him and Mark Spitz.