I never call a bottom. Moody's S&P bad news already baked in upgrade from analyst saying oversold. Underlying economic conditions- Real Estate market sales prices still dropping a little. sales increasing marginally but stopped decreasing. Olegopoly only 2 major players left in tittle market. FNF still absorbing Land America. by the time the RE market completes its bottoming and normal buying resumes. FNF and FAF will be the two standing survivors.