Also, as the lending guidelines keep tightening, fewer and fewer people qualify for a loan.

Over the past couple years, many states, cities, municipalities etc have enacted new rules and laws to protect the home owner, consumer-from scammer Investors.

Tile is not hard, just a lil time consuming and rough on the knees.Step by step:1) Use a hammer & chisel (floor scraper if you have one) and remove the damaged tiles.

Fewer buyers who can actually buy means lower demand.

So, we tailor our product to those consumers.

That's primarily because the means in which we consume information (and entertainment) is being transformed before our eyes.More people are using computers and gaming (XBox, PS3) for television consumption and it is, as Jon pointed out, impacting revenue.

Duplex has alot fewer exit strategys, -Scott

Towns near military instalations with regional influence will remain viable and if two or more of these elements are joined by manufacturing, food processing, consumer or durable goods, that economy should weather the storm.

Great topic Mike.I agree that consumer education is central to anyone having prospects for a future.

Tim - They also surpassed the USA as the largest consumer of cars this year.