Both my wife and myself, retirees, are licensed realtors in the State of Florida. We see no light at the end of the housing tunnel here, not even a faint glow. Almost all sales here are to foreign buyers, for cash, investing in the still existing overhang, or if citizens, buying through FHA with Bernanki funny-money, a reprise of what was a contributory cause of the recent collapse. We live now on our Social Security only in lieu commisions. Perhaps the light will go on with a new Federal Administration?