Deals deals and more deals! Our 2009 goals are to provide the best financing for our clients. We anticipate being busy because we are still actively lending on refinances, acquisitions, and new construction multifamily deals nationwide. And rates? Wow, are they low. Despite the credit market turmoil we are still under 7.00% for refinances. We anticipate that most of our business this year will be with acquisitions and refinances. We have construction money available but don't expect to see tons of new construction deals this year mostly because markets like Florida are saturated with condos that will probably end up being rented. Overall, we are positive about our business in 2009. Holly