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"Desparation is in the air. People are trying to justify their '06 & '07 purchases and feel good about it. Fact is if you did not buy then, & buy now, you've got more options and value - it's a buyers market, it was not in '06. The non & marginally qualified have been driven out the market...'08 will be even better." [Your Morning Credit Crunch: Bigger Foreclosure Wave Coming]