I believe we all have been affected one way or another by the foreclosure market.  The house next door went in to foreclosure.  How did I feel?  It was not something that I wanted to see happen, but it did.  I thought of how it would affect the value of our home.  It's not like we are the only neighborhood going through this.  That somehow makes it better.  We need to realize that things are  just not the way they use to be.