ok, we have common ground...now... check out the prices in my home town of <b>San Anselmo</b> CA. <A HREF="http://tinyurl.com/7sy7g" target="_blank">http://tinyurl.com/7sy7g</A> its your coastal community with sky high prices. lets note that there are 11 homes for sale and 2 condos. the lowest priced single family home is a 2/1 with 1200 sq ft and is going for 685,000. i say that three years from now the stats will show the prices will not only NOT drop as you predict BUT BE HIGHER.