Moderator: US pending home sales data is going to be released today at 10 Eastern. Economist polled by Down Jones news wise are expecting a modest 0.1% increase in June, this after pending home sales soared 6.7% to hit a 6-year high in May. Joining us from Fort Lauderdale, Sherry Olefson, author of Foreclosure Nation. Sherry good morning to you. Thanks much indeed for joining us.