I'm looking at DHI at $22 and thinking it's bloated. Then I see RYL at $32 and just can't believe anyone is buying it at these nose-bleed levels. I agree with your $20 prognosis, and even at $20 that would still be a 100% gain from 52-wk lows. Builders way ahead of themselves. Look at MTH at $40. Ouch to whoever holds these if they come down.