Economics 101not much to talk about with this stock at present so lets talk about the housing crash. An 800k mortage now cost the mortgage holder $1400 more in monthly payments today than they paid 12 months ago, inflation numbers are ever increasing and interest rates will follow. Six months from now that same mortgare will see an additional $1400 a month increse. Within a year that 800k mortage taken out 18 months earlier will cost somewhere between $2800 and $4200 more per month. Now add the increased payments of all those lines of credits taken out with each mortgage and what do you get, "INSOLVENCEY". This happened in the late 70's early 80's with one exception and that is back then there was no such thing as a line of credit. House prices back then dropped by 50% and it took 10 years to clean up the insolvenceys, the debt issues of todays are ten times worse. Most world institutions are saying the Canadian houseing market is the most over elveraged in the world and will fall the hardest. Inflation and interest rates are tracking the same and interest rates back then peaked at over 18%. Will that 18% happen this time, only time will tell but you can take one thing for certain to the bank, this will be the worst this country has ever seen with it's realistate market. It's already started and there is no turning back now..