When we do our analysis, it includes these factors. It shows us the various scenarios of what that would look like, given the application of those factors.

There are other factors, as well, such as wetlands and other environmental constraints.

If four dwellings per acre is compatible with the existing character of the hamlet, I'm all right with it. But I'd like to see the density decline as the rings go out.

By early next year, it should be completely behind us.

We really have to start there. God loved us. That is where our dignity comes from.

The affordability issue becomes very real when mortgage rates rise because a lot of people have taken out interest only loans or adjustable rate mortgages thinking that rates would stay low.