These are questions for all you experienced veteran l/o investors out there: 1) How has the current market affected the l/o's appraoch to crei? 2) The stats are that we are becoming a nation of renters (in usa) does this affect the l/o biz positively? 3) How is the current stringent (stingy) allowance of who gets a loan affecting people puchasing your l/o 4) In what ways have you had to adjust course over the last few years? Thank you very much!