i agree, i have the bad habit of buying in to late then suffer the pull back, such is life. Monday this will pop up, so i'll wait along with you till dust settles. Am trying to accumulate a small watch list of home builders, mortgage insures and supplier which are in my finanical range. I would appreciate any in put as to what you might consider under valued stocks that could possible start moving over the next couple of months. So far I have FNF, FAF, PHM, now adding RDN to list.........there got to be more than this within a reasonable range. I believe this housing sector could start to move this year. Suggestion would be welcome.