Of course the cause of this whole mess is spending more than we make. Everyone seems to have decided to spend 1.25 for every $1.00 they made and the result is a lot of worthless noncollectable debt and many over priced houses that should never have been built for people spending too much. The bottom line is the housing market and a lot of other goods to have to depreciate to a point where the average American can afford them again. So 15% seems like a lot but I am going to guess the number is closer to 20-25% in the drop of home values in DFW. Of course that varies greatly by neighborhood. I wouldn’t expect anything inside the loop to drop more than 5-10%.