As the end of 2006 approaches I think it is appropriate for all of us to take some time to take stock on what the prior year has brought us and what we can hopefully accomplish in 2007. For the past several years we are all aware that our industry has been on a downward shipments curve. We keep hearing that the industry has "bottomed out". While we don't have the definitive year end figures yet, I am pretty sure that when we receive them the national and Virginia figures will be below 2005. One thing that this 6 year down slide has forced the survivors in our industry to do is to get lean and mean with expenses. History tells us that there is going to be a rebound sometime in the future. So, when this happens our expense disciplines should result in a healthy bottom line. FHA Title 1 proposed changes and recent securitizations that some lenders have implemented should hopefully help provide some additional funding sources for the industry, and available financing is one of the keys to increasing sales. While we can't be sure that 2007 will be a better year there are certainly some things on the horizon that should help. We at VAMMH will continue to do everything we can to make sure that the business environment under which we all operate is conducive to maximizing sales. Wishing you and yours a Happy Holiday season and a great 2007.