Current Market Trends:  I was asked this morning what my prognosis and thoughts are for 2008.  I am cautiously optimistic for 2008.  Our market has not taken the serious downturn as other areas across the country.  Residentially, our pendings sales and closed sales are keeping pace with new listing coming on the market for sale.  That’s a good trend.  That being said the market for homes over $300,000 is still a slow.  Land, Commercial and Multifamily sales are still lagging.  I expect this to continue into 2008.  I am thankful interest rates remain low (6% today for a 30 year fixed rate loan) and oil prices remain high.  That’s good for us here in Alaska.  Specific to the Valley, the new prison slated for the Knik area, new retail stores and restaurants in Wasilla, expansion of existing stores like Wal-Mart, and the continued growth in the hospitality and health care fields are also good for the Mat-Su area.  Early in January I will be evaluating all of the statistics for 2007 and drawing some conclusions and comparisons.  Stay tuned.