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It continues to be sluggish and i cannot give you a reason why that occurred. We are aware that mortgage credit is very tight for a wide range of borrowers and that maybe part of it. We hear about supply constraints builders are facing but i have to say i am surprised. What more do you think the fed can do to help stimulate recovery in the housing sector both for those homeowners who are upside down in the values and those to help new people qualify for homes. Housing prices are continuing to increase. And they have increased substantially and in the markets that saw the worst booms and bust that is the case. So in nevada there are a large fraction of homeowners underwater but if you look at the numbers just the increase in house prices we have seen and i think that is in part reflecting or monetary policy, maybe fewers barrowers are under water. The numbers have declined and i know the Las Vegas Area was one of hardest hit areas. I think we will see greater progress eventually in the

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