Tighten thigs back up, re-state the rules and keep an eye on transgressors, then deal with them.Note - some of the other successful Forums that I participate in have their rules listed as Stickys at the beginning of every Sub-topic.

This affordability presents investors with a distinct opportunity to enter the market without significant financial strain.

The markets I invest in have tightened up and there is a lot less inventory to choose from.

She's going to be on the catch-up plan, so she might need to tighten her belt a bit.

Consumers were left reeling from plummeting home values and credit markets tightened.

when there's broad changes in interest rate (not just because of central bank rate changes, but also currency depreciation, overnight changes of currency rate, tightening standard of lending, or due to inflation), the first hit is always in banking sector and real estate commercial space, this happened in latin america in 1980 and asia too in late 90 ; in reality, commercial space could only develop during the first wave or major economic expansion (like in China during 2000). 

Maybe it's a human nature thing and I evolved from some other strain of extinct Neanderthal that made decisions based on need rather than social acceptance.

I like the tighten those screws a bit first, in case the factory left them loose.

But on the other edge of that sword, the consumer is terrified of there own job security, and tend to tighten their own purse straps.

I know it causes quite the financial strain.