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To: patron_anejo_por_favor who wrote (90914)	4/6/2001 2:58:08 PM
From: TheStockFairy	Read Replies (1) \| Respond to of 436258

Normally you have to crush the bottom of the housing pyramid in order to effect the top. Less new buyers, less upgrades. Now, in high end market (which i think is 300k up), on the bearish side I'm thinking something like this is going to happen: 1) Easy Credit for higher % of gross income loans 2) I/O or 0 down loans 3) huge tech stock losses 4) no bonus' this year due to low sales 5) no vestable stock options 6) low savings 7) higher than average consumer debt 8) energy prices taking HUGE chunk of $$s out of their pockets, driving them further backwards. These are just hunches.