I think we are going to have some major homebuilders either merging or filing for chapter 11 over the next 18 months. There is no need for them to build with hundreds of thousands of houses up for sale across the U.S. All they are doing is making things worse by over building, the glut of unsold houses on top of the skyrocketing foreclosures will just make it even more difficult for the housing market to bottom which is years away from doing so.