break even point. miami, fort lauderdale, tamp parks orlando, these are areas, of course, where prices shot up and then came crashing down. also phoenix, for example, that one makes sense. phoenix prices are down 15% and a glut of inventory, too. a lot of investors flying in from phoenix. coming in from canada. and then you have got detroit in under two years you can break even. you have to have 20 % down now. that s the thing. that would be the only reason why people aren t buying because they can t do the down payment. they have bad credit. they are not sure about the job situation. the employment situation is spotty. whatever the case may be. let s talk under three years now. little bit different. obvious ones were in the under two year market now. pittsburgh, riverside, dallas, some other cities in here. a lot of the ohio markets, cleveland, cincinnati, columbus, georgia is in there, dallas, you have got denver. riverside where is that? californi ainsley, you