 local jurisdictions because this is a regional thing it's a local thing you know i look all the time i keep my eye on the markets across the country and it's really localized um i'm seeing changes where i sell in delaware down at the beaches it's not all cash now there has been some really good price adjustments on these second homes and i see some now that are even conventional and i saw a va on a beach home which you never saw for the last couple of years