Not too concerned about housing, I expect rates to flatten, maybe even decline a little, and that will compensate the recent rise in prices and maybe a little over supply. I do not see a housing crash nationwide. The slow down in GDP in the last quarter of last year is actually quite healthy, I feared we get overheating, but now we are going back to Goldilock's "not too hot, not to cold", which is, medium term, a pretty good environment for stocks. Short term there is a little excess confidence and dip buying, so taking out Friday (the week before) low should bring back the level of fear to a point were we get another VTO buy signal (the last two were perfect, not even a second day of lower lows).