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To: Terry Whitman who wrote (40231)	5/11/1999 11:39:00 AM
From: Lizzie Tudor	Read Replies (2) \| Respond to of 86076

Terry, ok I agree with a lot of what you say, but I'd like to know more about the % ownership of some of the expensive real estate out here (and I do mean expensive). For example I know people with 7K mortgages.... they will walk away from those in a recession I feel. But those are only the younger people in that situation of course those are the primary people I know. Real estate is just so highly leveraged I see it as a risk in any economic downturn, thats what happened last time.... (in Ca anyway). Well, I hope we don't get even further appreciation in real estate because I can't find a house in SF.