In your opinion, what will be the biggest challenge to the real estate industry (both sales and finance) during the next few years. Will the real estate industry still offer its members the easy, upper middle class living they had become accustomed to? Will families still continue to achieve the dream of individual home ownership or will we see the continued expansion of government housing projects and rent control of private property? What effect have the refinance/loan modification programs had on real estate values and home affordability/availability of credit for first time buyers? Will the replacement of former president President Donald Trump, a businessperson and conservative Republican, with President Joe Biden, a career politician and liberal Democrat who has been in Washington for the last 42 years, have any lasting effect on the housing industry