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	<title>Real Estate Insight &#187; seller&#8217;s</title>
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	<description>Real Estate Insights on selling, buying, investing, foreclosures much more.</description>
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		<title>25 QUALIFIED Buyer Leads &#8211; FREE</title>
		<link>http://www.CrystalClearMarket.com/2011/02/03/25-qualified-buyer-leads-free/</link>
		<comments>http://www.CrystalClearMarket.com/2011/02/03/25-qualified-buyer-leads-free/#comments</comments>
		<pubDate>Fri, 04 Feb 2011 07:44:29 +0000</pubDate>
		<dc:creator>Elliot Lau</dc:creator>
				<category><![CDATA[buyers]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Lessons]]></category>
		<category><![CDATA[Real Estate Terminology]]></category>
		<category><![CDATA[seller's]]></category>
		<category><![CDATA[Techniques]]></category>
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.CrystalClearMarket.com/?p=305</guid>
		<description><![CDATA[25 QUALIFIED Buyer Leads &#8211; FREE Offer Limited To the First 10 Agents to Claim Their 25 FREE Leads Are you one of the thousands of agents that are struggling to find new clients? As the real estate market contracts, buyers and sellers have become harder and harder to find. Agents are finding they have [...]]]></description>
			<content:encoded><![CDATA[<h1 style="text-align: center;"><strong><span style="color: #ff0000;"><span style="font-size: small;">25 QUALIFIED Buyer Leads &#8211; FREE</span></span></strong></h1>
<p style="text-align: center;"><strong><span style="font-size: x-small;">Offer Limited To the First 10 Agents to Claim Their 25 FREE Leads</span></strong></p>
<p>Are you one of the thousands of agents that are struggling to find new clients?  As the real estate market contracts, buyers and sellers have become harder and harder to find.  Agents are finding they have to spend much more time and a lot more money to get a shrinking share of the real estate leads.  Do you spend hours of your time sitting open houses, floor duty and kiosks just to get a few meager leads that amount to nothing?  Do you send out hundreds or thousands of dollars of postcards only to get dozens, even hundreds of them returned to you only to get couple of disappointing leads?  Getting the business is the hardest part of the business.  There is an alternative.</p>
<p>At iNet Realty, agents enjoy an abundant number of well qualified and highly motivated buyers and sellers.  Imagine not having to waste hours of your time sitting open house, and instead spend that time showing qualified buyers homes to buy?  Or instead of floor or kiosk duty, spending that time writing offers.  Stop imagining because at iNet Realty, that’s exactly what our agents spend their time on.  At iNet Realty, agents spend 100% of their time on the activities that directly make them money, like showing property and writing contracts.  Getting the business is no longer the hardest part of the business.</p>
<p>And having all the business you can handle is just tip of the iceberg.  iNet agents also enjoy:</p>
<p>E&amp;O fees ONLY when they close a transaction.  No upfront E&amp;O payments that can be in the thousands of dollars.<br />
And,<br />
NO monthly fees associated with many other offices.<br />
NO Franchise Fees<br />
NO Desk Fees<br />
NO monthly advertising or marketing Fees<br />
NO  monthly admin Fees</p>
<p>How is all of this possible?</p>
<p>iNet Realty is a progressive real estate company with advanced proprietary technology and a System that wraps it all together.  Many companies have bits and pieces but nothing like the iNet Realty System.  This complete turnkey system is PROVEN to make ordinary agents immediately successful.</p>
<p style="padding-left: 30px;"><em><a href="http://www.crystalclearmarket.com/2010/10/10/ground-breaking-technology-creating-incredible-success/">With the iNet Realty System, I am working with 65 buyers and sellers, 14 showing appointments, 5 offers, 1 listing, in my first 2 months at iNet Realty.  If you use the iNet System, it works!</a> </em>Jason Mitsuda (RA), iNet Realty<br />
<a href="http://www.crystalclearmarket.com/2010/10/09/incredible-systems-creating-incredible-success/"><br />
</a><em><a href="http://www.crystalclearmarket.com/2010/10/09/incredible-systems-creating-incredible-success/">I love being at iNet Realty.  With the iNet System, I&#8217;ve closed 2 escrows, opened 4 more escrows and got my first commission check within 30 days of getting my real estate license.</a> </em>Niome Queypo (RA), iNet Realty</p>
<p style="padding-left: 30px;"><em><a href="http://www.crystalclearmarket.com/2010/10/10/ordinary-people-finding-extraordinary-success/">Having a tech background, I can tell you there&#8217;s no comparison to iNet Realty&#8217;s System.  It is the most powerful real estate system I&#8217;ve seen and makes real estate easy. Because of the iNet System, I&#8217;m working with 40 buyers and sellers, opened 4 escrows last month and 4 escrows this month.  It just works.</a> </em>Branden Lee (RA), iNet Realty</p>
<p>All of their success is a direct result of applying the iNet System&#8230;</p>
<p>Imagine yourself closing one transaction every month in your first year.  Sounds impossible?  That’s what Jason and Niome thought before joining iNet Realty and applying this amazing system.</p>
<p>iNet Realty is so sure that its system can make you successful, we offer the ONLY income guarantee in the industry…If you don’t make $50K in your first year using the iNet Realty System, we’ll pay you the difference in cash</p>
<p>If you’re one of the many agents finding it difficult to meet your monthly financial obligations, you owe it to yourself to find out more about the incredible iNet System that is already changing agent’s lives.</p>
<p>To find out more about this revolutionary system and receive a confidential information packet, leave your contact information after the beep.  We will discreetly rush you this packet FREE of charge.  The iNet Realty System is the new paradigm in real estate.</p>
<p>There is a limited supply of these FREE information packets so order yours NOW before they run out.</p>
<p>We also offer you a FREE Gap Assessment Analysis to find out how easily you can make 2011 YOUR BEST YEAR EVER.</p>
<h2 style="text-align: center;"><strong>Find out more by calling:<br />
<span style="color: #ff0000;">877-573-3177  ID#7017</span><br />
for 24 hour pre-recorded information</strong></h2>
<p style="text-align: center;"><strong>Or Click on Call Me Button Below<br />
</strong></p>
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		<title>America&#8217;s Most Undervalued Cities in 2010</title>
		<link>http://www.CrystalClearMarket.com/2010/04/09/americas-most-undervalued-cities-in-2010/</link>
		<comments>http://www.CrystalClearMarket.com/2010/04/09/americas-most-undervalued-cities-in-2010/#comments</comments>
		<pubDate>Sat, 10 Apr 2010 07:16:03 +0000</pubDate>
		<dc:creator>Elliot Lau</dc:creator>
				<category><![CDATA[buyers]]></category>
		<category><![CDATA[Distressed]]></category>
		<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[seller's]]></category>
		<category><![CDATA[banked owned]]></category>
		<category><![CDATA[Buyer's Market]]></category>
		<category><![CDATA[california foreclosure]]></category>
		<category><![CDATA[distressed sales]]></category>
		<category><![CDATA[distressed sales in orange county]]></category>
		<category><![CDATA[hawaii foreclosures]]></category>
		<category><![CDATA[housing bubble]]></category>
		<category><![CDATA[investment]]></category>
		<category><![CDATA[investor]]></category>
		<category><![CDATA[markets]]></category>
		<category><![CDATA[real estate investing]]></category>
		<category><![CDATA[real estate market]]></category>
		<category><![CDATA[timing]]></category>

		<guid isPermaLink="false">http://www.CrystalClearMarket.com/?p=241</guid>
		<description><![CDATA[America&#8217;s most undervalued cities Four years after home prices hit their peaks, CNNMoney looks at how 330 metro areas have fared. Metro area Median home price % undervalued 2010 % undervalued 2006 Las Vegas, Nev. $129,700 -41.40% 38% Vero Beach, Fla. $123,300 -39.80% 54% Merced, Calif. $102,300 -37.70% 77% Cape Coral, Fla. $118,700 -36.80% 52% [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: center;"><strong>America&#8217;s most undervalued cities</strong></p>
<p><strong>Four years after home prices hit their peaks, CNNMoney looks at how 330 metro areas have fared. </strong></p>
<table style="height: 3427px;" border="0" cellspacing="0" cellpadding="0" width="405">
<thead>
<tr style="text-align: center;">
<td><strong>Metro area</strong></td>
<td width="80"><strong>Median</strong></p>
<p><strong>home price</strong></td>
<td width="87"><strong>% undervalued</strong></p>
<p><strong>2010</strong></td>
<td width="73"><strong>% undervalued</strong></p>
<p><strong>2006</strong></td>
</tr>
</thead>
<tbody>
<tr>
<td>Las Vegas, Nev.</td>
<td width="80">$129,700</td>
<td width="87">-41.40%</td>
<td width="73">38%</td>
</tr>
<tr>
<td>Vero Beach, Fla.</td>
<td width="80">$123,300</td>
<td width="87">-39.80%</td>
<td width="73">54%</td>
</tr>
<tr>
<td>Merced, Calif.</td>
<td width="80">$102,300</td>
<td width="87">-37.70%</td>
<td width="73">77%</td>
</tr>
<tr>
<td>Cape Coral, Fla.</td>
<td width="80">$118,700</td>
<td width="87">-36.80%</td>
<td width="73">52%</td>
</tr>
<tr>
<td>Houma, La.</td>
<td width="80">$116,200</td>
<td width="87">-34.60%</td>
<td width="73">-1%</td>
</tr>
<tr>
<td>Port St. Lucie, Fla.</td>
<td width="80">$115,600</td>
<td width="87">-33.30%</td>
<td width="73">72%</td>
</tr>
<tr>
<td>Warren, Mich.</td>
<td width="80">$117,500</td>
<td width="87">-32.30%</td>
<td width="73">15%</td>
</tr>
<tr>
<td>Vallejo, Calif.</td>
<td width="80">$196,900</td>
<td width="87">-31.90%</td>
<td width="73">53%</td>
</tr>
<tr>
<td>Stockton, Calif.</td>
<td width="80">$145,100</td>
<td width="87">-31.80%</td>
<td width="73">72%</td>
</tr>
<tr>
<td>Modesto, Calif.</td>
<td width="80">$138,700</td>
<td width="87">-31.80%</td>
<td width="73">67%</td>
</tr>
<tr>
<td>Midland, Texas</td>
<td width="80">$133,100</td>
<td width="87">-30.70%</td>
<td width="73">-7%</td>
</tr>
<tr>
<td>West Palm Beach, Fla.</td>
<td width="80">$164,400</td>
<td width="87">-30.30%</td>
<td width="73">57%</td>
</tr>
<tr>
<td>Lake Charles, La.</td>
<td width="80">$101,600</td>
<td width="87">-29.40%</td>
<td width="73">N.A.</td>
</tr>
<tr>
<td>Lafayette, La.</td>
<td width="80">$126,700</td>
<td width="87">-29.40%</td>
<td width="73">3%</td>
</tr>
<tr>
<td>Naples, Fla.</td>
<td width="80">$199,900</td>
<td width="87">-29.00%</td>
<td width="73">84%</td>
</tr>
<tr>
<td>Killeen, Texas</td>
<td width="80">$106,700</td>
<td width="87">-28.80%</td>
<td width="73">-16%</td>
</tr>
<tr>
<td>Houston, Texas</td>
<td width="80">$128,200</td>
<td width="87">-28.80%</td>
<td width="73">-14%</td>
</tr>
<tr>
<td>Sarasota, Fla.</td>
<td width="80">$133,900</td>
<td width="87">-28.00%</td>
<td width="73">56%</td>
</tr>
<tr>
<td>Punta Gorda, Fla.</td>
<td width="80">$110,400</td>
<td width="87">-27.80%</td>
<td width="73">N.A.</td>
</tr>
<tr>
<td>Dallas, Texas</td>
<td width="80">$136,700</td>
<td width="87">-27.50%</td>
<td width="73">-16%</td>
</tr>
<tr>
<td>Fort Worth, Texas</td>
<td width="80">$113,300</td>
<td width="87">-27.30%</td>
<td width="73">-15%</td>
</tr>
<tr>
<td>Shreveport, La.</td>
<td width="80">$102,700</td>
<td width="87">-26.50%</td>
<td width="73">-3%</td>
</tr>
<tr>
<td>Reno, Nev.</td>
<td width="80">$169,700</td>
<td width="87">-26.50%</td>
<td width="73">-38%</td>
</tr>
<tr>
<td>McAllen, Texas</td>
<td width="80">$61,800</td>
<td width="87">-25.90%</td>
<td width="73">N.A.</td>
</tr>
<tr>
<td>Tulsa, Okla.</td>
<td width="80">$107,300</td>
<td width="87">-24.60%</td>
<td width="73">-9%</td>
</tr>
<tr>
<td>Palm Bay, Fla.</td>
<td width="80">$118,400</td>
<td width="87">-24.40%</td>
<td width="73">49%</td>
</tr>
<tr>
<td>Fayetteville, N.C.</td>
<td width="80">$113,800</td>
<td width="87">-24.40%</td>
<td width="73">N.A.</td>
</tr>
<tr>
<td>Salinas, Calif.</td>
<td width="80">$310,200</td>
<td width="87">-24.30%</td>
<td width="73">75%</td>
</tr>
<tr>
<td>Fort Lauderdale, Fla.</td>
<td width="80">$148,000</td>
<td width="87">-24.30%</td>
<td width="73">53%</td>
</tr>
<tr>
<td>Oklahoma City, Okla.</td>
<td width="80">$108,100</td>
<td width="87">-24.20%</td>
<td width="73">-5%</td>
</tr>
<tr>
<td>Jackson, Miss.</td>
<td width="80">$104,200</td>
<td width="87">-23.90%</td>
<td width="73">24%</td>
</tr>
<tr>
<td>Monroe, La.</td>
<td width="80">$96,300</td>
<td width="87">-22.30%</td>
<td width="73">-2%</td>
</tr>
<tr>
<td>Grand Rapids, Mich.</td>
<td width="80">$105,300</td>
<td width="87">-22.10%</td>
<td width="73">14%</td>
</tr>
<tr>
<td>Carson City, Nev.</td>
<td width="80">$174,100</td>
<td width="87">-22.00%</td>
<td width="73">N.A.</td>
</tr>
<tr>
<td>Charleston, W.Va.</td>
<td width="80">$91,700</td>
<td width="87">-21.80%</td>
<td width="73">-7%</td>
</tr>
<tr>
<td>Oakland, Calif.</td>
<td width="80">$349,800</td>
<td width="87">-21.70%</td>
<td width="73">47%</td>
</tr>
<tr>
<td>Memphis, Tenn.</td>
<td width="80">$103,300</td>
<td width="87">-21.70%</td>
<td width="73">-9%</td>
</tr>
<tr>
<td>Little Rock, Ark.</td>
<td width="80">$106,900</td>
<td width="87">-21.60%</td>
<td width="73">-6%</td>
</tr>
<tr>
<td>Fayetteville, Ark.</td>
<td width="80">$114,800</td>
<td width="87">-21.50%</td>
<td width="73">11%</td>
</tr>
<tr>
<td>Wichita Falls, Texas</td>
<td width="80">$83,300</td>
<td width="87">-20.60%</td>
<td width="73">N.A.</td>
</tr>
<tr>
<td>Santa Barbara, Calif.</td>
<td width="80">$385,700</td>
<td width="87">-20.20%</td>
<td width="73">70%</td>
</tr>
<tr>
<td>Lansing, Mich.</td>
<td width="80">$103,800</td>
<td width="87">-20.20%</td>
<td width="73">18%</td>
</tr>
<tr>
<td>Alexandria, La.</td>
<td width="80">$92,800</td>
<td width="87">-20.00%</td>
<td width="73">0%</td>
</tr>
<tr>
<td>Odessa, Texas</td>
<td width="80">$80,700</td>
<td width="87">-19.90%</td>
<td width="73">-12%</td>
</tr>
<tr>
<td>Visalia, Calif.</td>
<td width="80">$129,000</td>
<td width="87">-19.60%</td>
<td width="73">45%</td>
</tr>
<tr>
<td>El Paso, Texas</td>
<td width="80">$106,300</td>
<td width="87">-19.50%</td>
<td width="73">-18%</td>
</tr>
<tr>
<td>Bakersfield, Calif.</td>
<td width="80">$126,000</td>
<td width="87">-19.20%</td>
<td width="73">51%</td>
</tr>
<tr>
<td>Montgomery, Ala.</td>
<td width="80">$105,900</td>
<td width="87">-19.00%</td>
<td width="73">-12%</td>
</tr>
<tr>
<td>Sacramento, Calif.</td>
<td width="80">$218,500</td>
<td width="87">-18.70%</td>
<td width="73">61%</td>
</tr>
<tr>
<td>Indianapolis, Ind.</td>
<td width="80">$129,800</td>
<td width="87">-18.70%</td>
<td width="73">-5%</td>
</tr>
<tr>
<td>Akron, Ohio</td>
<td width="80">$120,700</td>
<td width="87">-18.60%</td>
<td width="73">4%</td>
</tr>
<tr>
<td>Hanford, Calif.</td>
<td width="80">$144,200</td>
<td width="87">-18.40%</td>
<td width="73">N.A.</td>
</tr>
<tr>
<td>Cincinnati, Ohio</td>
<td width="80">$131,000</td>
<td width="87">-18.40%</td>
<td width="73">1%</td>
</tr>
<tr>
<td>Columbus, Ga.</td>
<td width="80">$112,900</td>
<td width="87">-18.30%</td>
<td width="73">2%</td>
</tr>
<tr>
<td>Bridgeport, Conn.</td>
<td width="80">$419,200</td>
<td width="87">-18.30%</td>
<td width="73">6%</td>
</tr>
<tr>
<td>Warner Robins, Ga.</td>
<td width="80">$100,300</td>
<td width="87">-18.20%</td>
<td width="73">-6%</td>
</tr>
<tr>
<td>Muskegon, Mich.</td>
<td width="80">$82,000</td>
<td width="87">-18.10%</td>
<td width="73">14%</td>
</tr>
<tr>
<td>Phoenix, Ariz.</td>
<td width="80">$150,700</td>
<td width="87">-18.00%</td>
<td width="73">35%</td>
</tr>
<tr>
<td>San Francisco, Calif.</td>
<td width="80">$603,100</td>
<td width="87">-17.80%</td>
<td width="73">35%</td>
</tr>
<tr>
<td>Holland, Mich.</td>
<td width="80">$128,100</td>
<td width="87">-17.70%</td>
<td width="73">22%</td>
</tr>
<tr>
<td>Ocala, Fla.</td>
<td width="80">$98,600</td>
<td width="87">-17.50%</td>
<td width="73">35%</td>
</tr>
<tr>
<td>Lakeland, Fla.</td>
<td width="80">$98,100</td>
<td width="87">-17.50%</td>
<td width="73">23%</td>
</tr>
<tr>
<td>Cambridge, Mass.</td>
<td width="80">$355,000</td>
<td width="87">-17.40%</td>
<td width="73">12%</td>
</tr>
<tr>
<td>San Diego, Calif.</td>
<td width="80">$336,900</td>
<td width="87">-17.30%</td>
<td width="73">46%</td>
</tr>
<tr>
<td>Orlando, Fla.</td>
<td width="80">$141,200</td>
<td width="87">-17.10%</td>
<td width="73">33%</td>
</tr>
<tr>
<td>Kalamazoo, Mich.</td>
<td width="80">$109,400</td>
<td width="87">-17.10%</td>
<td width="73">11%</td>
</tr>
<tr>
<td>Fort Walton Beach, Fla.</td>
<td width="80">$147,200</td>
<td width="87">-17.10%</td>
<td width="73">43%</td>
</tr>
<tr>
<td>Riverside, Calif.</td>
<td width="80">$178,300</td>
<td width="87">-16.90%</td>
<td width="73">65%</td>
</tr>
<tr>
<td>Ann Arbor, Mich.</td>
<td width="80">$158,600</td>
<td width="87">-16.90%</td>
<td width="73">17%</td>
</tr>
<tr>
<td>Santa Rosa, Calif.</td>
<td width="80">$326,900</td>
<td width="87">-16.80%</td>
<td width="73">56%</td>
</tr>
<tr>
<td>Fresno, Calif.</td>
<td width="80">$146,600</td>
<td width="87">-16.80%</td>
<td width="73">58%</td>
</tr>
<tr>
<td>Evansville, Ind.</td>
<td width="80">$94,400</td>
<td width="87">-16.80%</td>
<td width="73">-3%</td>
</tr>
<tr>
<td>Columbus, Ohio</td>
<td width="80">$139,700</td>
<td width="87">-16.80%</td>
<td width="73">2%</td>
</tr>
<tr>
<td>Tampa, Fla.</td>
<td width="80">$127,100</td>
<td width="87">-16.70%</td>
<td width="73">34%</td>
</tr>
<tr>
<td>Fort Smith, Ark.</td>
<td width="80">$83,800</td>
<td width="87">-16.70%</td>
<td width="73">-8%</td>
</tr>
<tr>
<td>Wichita, Kan.</td>
<td width="80">$106,800</td>
<td width="87">-16.60%</td>
<td width="73">-6%</td>
</tr>
<tr>
<td>Owensboro, Ky.</td>
<td width="80">$91,600</td>
<td width="87">-16.60%</td>
<td width="73">-3%</td>
</tr>
<tr>
<td>Baton Rouge, La.</td>
<td width="80">$128,000</td>
<td width="87">-16.60%</td>
<td width="73">0%</td>
</tr>
<tr>
<td>Pensacola, Fla.</td>
<td width="80">$119,200</td>
<td width="87">-16.50%</td>
<td width="73">33%</td>
</tr>
<tr>
<td>Omaha, Neb.</td>
<td width="80">$122,100</td>
<td width="87">-16.50%</td>
<td width="73">0%</td>
</tr>
<tr>
<td>New Orleans, La.</td>
<td width="80">$146,600</td>
<td width="87">-16.30%</td>
<td width="73">12%</td>
</tr>
<tr>
<td>Cheyenne, Wyo.</td>
<td width="80">$153,100</td>
<td width="87">-16.30%</td>
<td width="73">5%</td>
</tr>
<tr>
<td>Boston, Mass.</td>
<td width="80">$316,100</td>
<td width="87">-16.30%</td>
<td width="73">18%</td>
</tr>
<tr>
<td>Flint, Mich.</td>
<td width="80">$74,000</td>
<td width="87">-16.10%</td>
<td width="73">26%</td>
</tr>
<tr>
<td>College Station, Texas</td>
<td width="80">$110,900</td>
<td width="87">-16.10%</td>
<td width="73">-23%</td>
</tr>
<tr>
<td>Birmingham, Ala.</td>
<td width="80">$121,100</td>
<td width="87">-15.70%</td>
<td width="73">-1%</td>
</tr>
<tr>
<td>San Antonio, Texas</td>
<td width="80">$113,800</td>
<td width="87">-15.60%</td>
<td width="73">-11%</td>
</tr>
<tr>
<td>Battle Creek, Mich.</td>
<td width="80">$81,900</td>
<td width="87">-15.60%</td>
<td width="73">20%</td>
</tr>
<tr>
<td>Napa, Calif.</td>
<td width="80">$340,100</td>
<td width="87">-15.50%</td>
<td width="73">65%</td>
</tr>
<tr>
<td>Corpus Christi, Texas</td>
<td width="80">$102,900</td>
<td width="87">-15.50%</td>
<td width="73">-8%</td>
</tr>
<tr>
<td>Yuba City, Calif.</td>
<td width="80">$146,100</td>
<td width="87">-15.30%</td>
<td width="73">N.A.</td>
</tr>
<tr>
<td>Tyler, Texas</td>
<td width="80">$110,000</td>
<td width="87">-15.30%</td>
<td width="73">-7%</td>
</tr>
<tr>
<td>Monroe, Mich.</td>
<td width="80">$112,100</td>
<td width="87">-15.30%</td>
<td width="73">26%</td>
</tr>
<tr>
<td>Huntsville, Ala.</td>
<td width="80">$132,800</td>
<td width="87">-15.30%</td>
<td width="73">-11%</td>
</tr>
<tr>
<td>Lafayette, Ind.</td>
<td width="80">$112,800</td>
<td width="87">-15.10%</td>
<td width="73">-10%</td>
</tr>
<tr>
<td>Tucson, Ariz.</td>
<td width="80">$148,200</td>
<td width="87">-15.00%</td>
<td width="73">27%</td>
</tr>
<tr>
<td>Longview, Texas</td>
<td width="80">$99,800</td>
<td width="87">-14.90%</td>
<td width="73">-11%</td>
</tr>
<tr>
<td>Macon, Ga.</td>
<td width="80">$97,400</td>
<td width="87">-14.80%</td>
<td width="73">-6%</td>
</tr>
<tr>
<td>Cleveland, Ohio</td>
<td width="80">$127,700</td>
<td width="87">-14.80%</td>
<td width="73">6%</td>
</tr>
<tr>
<td>Jacksonville, Fla.</td>
<td width="80">$141,900</td>
<td width="87">-14.70%</td>
<td width="73">31%</td>
</tr>
<tr>
<td>Hattiesburg, Miss.</td>
<td width="80">$95,100</td>
<td width="87">-14.50%</td>
<td width="73">1%</td>
</tr>
<tr>
<td>Atlanta, Ga.</td>
<td width="80">$159,200</td>
<td width="87">-14.50%</td>
<td width="73">2%</td>
</tr>
<tr>
<td>Oxnard, Calif.</td>
<td width="80">$350,100</td>
<td width="87">-14.30%</td>
<td width="73">55%</td>
</tr>
<tr>
<td>Greenville, N.C.</td>
<td width="80">$98,900</td>
<td width="87">-14.20%</td>
<td width="73">0%</td>
</tr>
<tr>
<td>South Bend, Ind.</td>
<td width="80">$103,300</td>
<td width="87">-14.10%</td>
<td width="73">-4%</td>
</tr>
<tr>
<td>Lake County, Ill.</td>
<td width="80">$233,800</td>
<td width="87">-13.90%</td>
<td width="73">N.A.</td>
</tr>
<tr>
<td>Deltona, Fla.</td>
<td width="80">$121,700</td>
<td width="87">-13.80%</td>
<td width="73">44%</td>
</tr>
<tr>
<td>Oshkosh, Wis.</td>
<td width="80">$122,700</td>
<td width="87">-13.70%</td>
<td width="73">0%</td>
</tr>
<tr>
<td>Bowling Green, Ky.</td>
<td width="80">$111,400</td>
<td width="87">-13.50%</td>
<td width="73">1%</td>
</tr>
<tr>
<td>Beaumont, Texas</td>
<td width="80">$85,600</td>
<td width="87">-13.50%</td>
<td width="73">-15%</td>
</tr>
<tr>
<td>Ames, Iowa</td>
<td width="80">$136,400</td>
<td width="87">-13.50%</td>
<td width="73">N.A.</td>
</tr>
<tr>
<td>Gainesville, Fla.</td>
<td width="80">$134,500</td>
<td width="87">-13.40%</td>
<td width="73">23%</td>
</tr>
<tr>
<td>Fort Wayne, Ind.</td>
<td width="80">$96,100</td>
<td width="87">-13.40%</td>
<td width="73">-5%</td>
</tr>
<tr>
<td>Lubbock, Texas</td>
<td width="80">$88,800</td>
<td width="87">-13.30%</td>
<td width="73">-7%</td>
</tr>
<tr>
<td>Gainesville, Ga.</td>
<td width="80">$137,700</td>
<td width="87">-13.30%</td>
<td width="73">11%</td>
</tr>
<tr>
<td>Columbus, Ind.</td>
<td width="80">$117,100</td>
<td width="87">-13.20%</td>
<td width="73">2%</td>
</tr>
<tr>
<td>Rochester, N.Y.</td>
<td width="80">$125,100</td>
<td width="87">-13.00%</td>
<td width="73">-9%</td>
</tr>
<tr>
<td>Casper, Wyo.</td>
<td width="80">$153,200</td>
<td width="87">-12.70%</td>
<td width="73">20%</td>
</tr>
<tr>
<td>Springfield, Mo.</td>
<td width="80">$113,300</td>
<td width="87">-12.60%</td>
<td width="73">-6%</td>
</tr>
<tr>
<td>Sandusky, Ohio</td>
<td width="80">$120,100</td>
<td width="87">-12.60%</td>
<td width="73">3%</td>
</tr>
<tr>
<td>Pittsburgh, Pa.</td>
<td width="80">$115,900</td>
<td width="87">-12.50%</td>
<td width="73">-1%</td>
</tr>
<tr>
<td>Anderson, Ind.</td>
<td width="80">$83,700</td>
<td width="87">-12.40%</td>
<td width="73">3%</td>
</tr>
<tr>
<td>Abilene, Texas</td>
<td width="80">$82,700</td>
<td width="87">-12.30%</td>
<td width="73">-11%</td>
</tr>
<tr>
<td>Waco, Texas</td>
<td width="80">$94,900</td>
<td width="87">-12.00%</td>
<td width="73">-7%</td>
</tr>
<tr>
<td>Saginaw, Mich.</td>
<td width="80">$81,700</td>
<td width="87">-11.90%</td>
<td width="73">13%</td>
</tr>
<tr>
<td>Dayton, Ohio</td>
<td width="80">$112,900</td>
<td width="87">-11.90%</td>
<td width="73">0%</td>
</tr>
<tr>
<td>Canton, Ohio</td>
<td width="80">$108,100</td>
<td width="87">-11.70%</td>
<td width="73">11%</td>
</tr>
<tr>
<td>Jackson, Mich.</td>
<td width="80">$94,500</td>
<td width="87">-11.50%</td>
<td width="73">-1%</td>
</tr>
<tr>
<td>Columbia, Mo.</td>
<td width="80">$127,000</td>
<td width="87">-11.50%</td>
<td width="73">N.A.</td>
</tr>
<tr>
<td>Miami, Fla.</td>
<td width="80">$191,200</td>
<td width="87">-11.40%</td>
<td width="73">55%</td>
</tr>
<tr>
<td>Kansas City, Mo.</td>
<td width="80">$130,400</td>
<td width="87">-11.40%</td>
<td width="73">4%</td>
</tr>
<tr>
<td>Bloomington, Ill.</td>
<td width="80">$135,900</td>
<td width="87">-11.40%</td>
<td width="73">3%</td>
</tr>
<tr>
<td>Madera, Calif.</td>
<td width="80">$170,100</td>
<td width="87">-11.30%</td>
<td width="73">70%</td>
</tr>
<tr>
<td>Bay City, Mich.</td>
<td width="80">$83,300</td>
<td width="87">-11.30%</td>
<td width="73">26%</td>
</tr>
<tr>
<td>Decatur, Ill.</td>
<td width="80">$87,900</td>
<td width="87">-11.20%</td>
<td width="73">1%</td>
</tr>
<tr>
<td>Tallahassee, Fla.</td>
<td width="80">$135,200</td>
<td width="87">-11.10%</td>
<td width="73">22%</td>
</tr>
<tr>
<td>Essex County, Mass.</td>
<td width="80">$302,300</td>
<td width="87">-10.70%</td>
<td width="73">28%</td>
</tr>
<tr>
<td>Lincoln, Neb.</td>
<td width="80">$125,100</td>
<td width="87">-10.60%</td>
<td width="73">-2%</td>
</tr>
<tr>
<td>Worcester, Mass.</td>
<td width="80">$213,000</td>
<td width="87">-10.50%</td>
<td width="73">29%</td>
</tr>
<tr>
<td>Santa Cruz, Calif.</td>
<td width="80">$457,100</td>
<td width="87">-10.50%</td>
<td width="73">44%</td>
</tr>
<tr>
<td>Athens, Ga.</td>
<td width="80">$135,300</td>
<td width="87">-10.50%</td>
<td width="73">3%</td>
</tr>
<tr>
<td>St. Joseph, Mo.</td>
<td width="80">$98,700</td>
<td width="87">-10.30%</td>
<td width="73">7%</td>
</tr>
<tr>
<td>Rocky Mount, N.C.</td>
<td width="80">$95,900</td>
<td width="87">-10.30%</td>
<td width="73">-5%</td>
</tr>
<tr>
<td>Des Moines, Iowa</td>
<td width="80">$127,700</td>
<td width="87">-10.30%</td>
<td width="73">-2%</td>
</tr>
<tr>
<td>San Jose, Calif.</td>
<td width="80">$507,000</td>
<td width="87">-10.20%</td>
<td width="73">44%</td>
</tr>
<tr>
<td>Chicago, Ill.</td>
<td width="80">$222,800</td>
<td width="87">-10.20%</td>
<td width="73">21%</td>
</tr>
<tr>
<td>Springfield, Ill.</td>
<td width="80">$110,000</td>
<td width="87">-10.10%</td>
<td width="73">-5%</td>
</tr>
<tr>
<td>Bethesda, Md.</td>
<td width="80">$380,900</td>
<td width="87">-10.00%</td>
<td width="73">36%</td>
</tr>
<tr>
<td>Sioux Falls, S.D.</td>
<td width="80">$126,000</td>
<td width="87">-9.90%</td>
<td width="73">-2%</td>
</tr>
<tr>
<td>Rochester, Minn.</td>
<td width="80">$138,100</td>
<td width="87">-9.70%</td>
<td width="73">0%</td>
</tr>
<tr>
<td>Lexington, Ky.</td>
<td width="80">$139,800</td>
<td width="87">-9.70%</td>
<td width="73">4%</td>
</tr>
<tr>
<td>Trenton, N.J.</td>
<td width="80">$260,000</td>
<td width="87">-9.50%</td>
<td width="73">20%</td>
</tr>
<tr>
<td>Jefferson City, Mo.</td>
<td width="80">$113,500</td>
<td width="87">-9.40%</td>
<td width="73">-5%</td>
</tr>
<tr>
<td>San Luis Obispo, Calif.</td>
<td width="80">$341,300</td>
<td width="87">-9.30%</td>
<td width="73">53%</td>
</tr>
<tr>
<td>Cedar Rapids, Iowa</td>
<td width="80">$116,300</td>
<td width="87">-9.20%</td>
<td width="73">-3%</td>
</tr>
<tr>
<td>Rome, Ga.</td>
<td width="80">$100,500</td>
<td width="87">-9.10%</td>
<td width="73">N.A.</td>
</tr>
<tr>
<td>Appleton, Wis.</td>
<td width="80">$133,500</td>
<td width="87">-9.10%</td>
<td width="73">0%</td>
</tr>
<tr>
<td>Louisville, Ky.</td>
<td width="80">$128,400</td>
<td width="87">-8.90%</td>
<td width="73">3%</td>
</tr>
<tr>
<td>Toledo, Ohio</td>
<td width="80">$102,800</td>
<td width="87">-8.70%</td>
<td width="73">9%</td>
</tr>
<tr>
<td>St. Louis, Mo.</td>
<td width="80">$135,300</td>
<td width="87">-8.60%</td>
<td width="73">9%</td>
</tr>
<tr>
<td>Panama City, Fla.</td>
<td width="80">$129,000</td>
<td width="87">-8.60%</td>
<td width="73">46%</td>
</tr>
<tr>
<td>Joplin, Mo.</td>
<td width="80">$93,000</td>
<td width="87">-8.60%</td>
<td width="73">N.A.</td>
</tr>
<tr>
<td>Amarillo, Texas</td>
<td width="80">$98,400</td>
<td width="87">-8.50%</td>
<td width="73">0%</td>
</tr>
<tr>
<td>Minneapolis, Minn.</td>
<td width="80">$183,800</td>
<td width="87">-8.20%</td>
<td width="73">24%</td>
</tr>
<tr>
<td>Parkersburg, W.Va.</td>
<td width="80">$97,000</td>
<td width="87">-8.10%</td>
<td width="73">N.A.</td>
</tr>
<tr>
<td>Detroit, Mich.</td>
<td width="80">$74,400</td>
<td width="87">-7.80%</td>
<td width="73">19%</td>
</tr>
<tr>
<td>Hartford, Conn.</td>
<td width="80">$231,100</td>
<td width="87">-7.70%</td>
<td width="73">4%</td>
</tr>
<tr>
<td>Raleigh, N.C.</td>
<td width="80">$186,400</td>
<td width="87">-7.60%</td>
<td width="73">-3%</td>
</tr>
<tr>
<td>Peoria, Ill.</td>
<td width="80">$116,900</td>
<td width="87">-7.50%</td>
<td width="73">10%</td>
</tr>
<tr>
<td>Springfield, Ohio</td>
<td width="80">$100,700</td>
<td width="87">-7.40%</td>
<td width="73">8%</td>
</tr>
<tr>
<td>Gary, Ind.</td>
<td width="80">$126,400</td>
<td width="87">-7.20%</td>
<td width="73">9%</td>
</tr>
<tr>
<td>Sherman, Texas</td>
<td width="80">$92,400</td>
<td width="87">-7.10%</td>
<td width="73">-1%</td>
</tr>
<tr>
<td>New York, N.Y.</td>
<td width="80">$456,600</td>
<td width="87">-7.10%</td>
<td width="73">27%</td>
</tr>
<tr>
<td>Santa Ana, Calif.</td>
<td width="80">$469,300</td>
<td width="87">-6.90%</td>
<td width="73">44%</td>
</tr>
<tr>
<td>Iowa City, Iowa</td>
<td width="80">$152,400</td>
<td width="87">-6.90%</td>
<td width="73">-6%</td>
</tr>
<tr>
<td>Greensboro, N.C.</td>
<td width="80">$123,300</td>
<td width="87">-6.90%</td>
<td width="73">-2%</td>
</tr>
<tr>
<td>Austin, Texas</td>
<td width="80">$177,400</td>
<td width="87">-6.90%</td>
<td width="73">-7%</td>
</tr>
<tr>
<td>Green Bay, Wis.</td>
<td width="80">$134,100</td>
<td width="87">-6.70%</td>
<td width="73">8%</td>
</tr>
<tr>
<td>Bloomington, Ind.</td>
<td width="80">$121,000</td>
<td width="87">-6.60%</td>
<td width="73">3%</td>
</tr>
<tr>
<td>Nashville, Tenn.</td>
<td width="80">$165,500</td>
<td width="87">-6.50%</td>
<td width="73">-1%</td>
</tr>
<tr>
<td>Spartanburg, S.C.</td>
<td width="80">$101,800</td>
<td width="87">-6.40%</td>
<td width="73">-1%</td>
</tr>
<tr>
<td>Niles, Mich.</td>
<td width="80">$117,400</td>
<td width="87">-6.30%</td>
<td width="73">21%</td>
</tr>
<tr>
<td>Columbia, S.C.</td>
<td width="80">$120,300</td>
<td width="87">-6.30%</td>
<td width="73">1%</td>
</tr>
<tr>
<td>Augusta, Ga.</td>
<td width="80">$113,500</td>
<td width="87">-6.30%</td>
<td width="73">-2%</td>
</tr>
<tr>
<td>Manchester, N.H.</td>
<td width="80">$207,000</td>
<td width="87">-6.10%</td>
<td width="73">23%</td>
</tr>
<tr>
<td>Florence, S.C.</td>
<td width="80">$89,800</td>
<td width="87">-6.10%</td>
<td width="73">-1%</td>
</tr>
<tr>
<td>Charlotte, N.C.</td>
<td width="80">$159,600</td>
<td width="87">-6.10%</td>
<td width="73">-6%</td>
</tr>
<tr>
<td>Prescott, Ariz.</td>
<td width="80">$164,000</td>
<td width="87">-6.00%</td>
<td width="73">46%</td>
</tr>
<tr>
<td>Mobile, Ala.</td>
<td width="80">$111,800</td>
<td width="87">-6.00%</td>
<td width="73">-2%</td>
</tr>
<tr>
<td>Winston-Salem, N.C.</td>
<td width="80">$127,600</td>
<td width="87">-5.90%</td>
<td width="73">-1%</td>
</tr>
<tr>
<td>Huntington, W.Va.</td>
<td width="80">$92,900</td>
<td width="87">-5.90%</td>
<td width="73">N.A.</td>
</tr>
<tr>
<td>Burlington, N.C.</td>
<td width="80">$115,700</td>
<td width="87">-5.60%</td>
<td width="73">0%</td>
</tr>
<tr>
<td>New Haven, Conn.</td>
<td width="80">$240,200</td>
<td width="87">-5.50%</td>
<td width="73">11%</td>
</tr>
<tr>
<td>Albany, Ga.</td>
<td width="80">$90,200</td>
<td width="87">-5.50%</td>
<td width="73">-2%</td>
</tr>
<tr>
<td>Fairbanks, Alaska</td>
<td width="80">$195,700</td>
<td width="87">-5.40%</td>
<td width="73">N.A.</td>
</tr>
<tr>
<td>Davenport, Iowa</td>
<td width="80">$107,500</td>
<td width="87">-5.40%</td>
<td width="73">7%</td>
</tr>
<tr>
<td>Syracuse, N.Y.</td>
<td width="80">$125,700</td>
<td width="87">-5.30%</td>
<td width="73">-4%</td>
</tr>
<tr>
<td>Buffalo, N.Y.</td>
<td width="80">$126,000</td>
<td width="87">-5.30%</td>
<td width="73">-5%</td>
</tr>
<tr>
<td>Washington, D.C.</td>
<td width="80">$316,400</td>
<td width="87">-5.20%</td>
<td width="73">37%</td>
</tr>
<tr>
<td>Providence, R.I.</td>
<td width="80">$235,500</td>
<td width="87">-4.90%</td>
<td width="73">35%</td>
</tr>
<tr>
<td>Brunswick, Ga.</td>
<td width="80">$119,800</td>
<td width="87">-4.90%</td>
<td width="73">23%</td>
</tr>
<tr>
<td>Rockingham County, N.H.</td>
<td width="80">$217,600</td>
<td width="87">-4.80%</td>
<td width="73">20%</td>
</tr>
<tr>
<td>Chico, Calif.</td>
<td width="80">$194,100</td>
<td width="87">-4.80%</td>
<td width="73">59%</td>
</tr>
<tr>
<td>Chattanooga, Tenn.</td>
<td width="80">$117,700</td>
<td width="87">-4.80%</td>
<td width="73">5%</td>
</tr>
<tr>
<td>Gulfport, Miss.</td>
<td width="80">$117,400</td>
<td width="87">-4.70%</td>
<td width="73">N.A.</td>
</tr>
<tr>
<td>Milwaukee, Wis.</td>
<td width="80">$180,500</td>
<td width="87">-4.30%</td>
<td width="73">16%</td>
</tr>
<tr>
<td>Greenville, S.C.</td>
<td width="80">$122,100</td>
<td width="87">-4.30%</td>
<td width="73">0%</td>
</tr>
<tr>
<td>Fargo, N.D.</td>
<td width="80">$136,500</td>
<td width="87">-4.30%</td>
<td width="73">3%</td>
</tr>
<tr>
<td>Durham, N.C.</td>
<td width="80">$176,300</td>
<td width="87">-4.20%</td>
<td width="73">2%</td>
</tr>
<tr>
<td>Las Cruces, N.M.</td>
<td width="80">$119,000</td>
<td width="87">-3.80%</td>
<td width="73">0%</td>
</tr>
<tr>
<td>Lima, Ohio</td>
<td width="80">$99,600</td>
<td width="87">-3.60%</td>
<td width="73">1%</td>
</tr>
<tr>
<td>Youngstown, Ohio</td>
<td width="80">$92,900</td>
<td width="87">-3.50%</td>
<td width="73">8%</td>
</tr>
<tr>
<td>Pueblo, Colo.</td>
<td width="80">$119,500</td>
<td width="87">-3.50%</td>
<td width="73">5%</td>
</tr>
<tr>
<td>Lawrence, Kan.</td>
<td width="80">$159,800</td>
<td width="87">-3.50%</td>
<td width="73">0%</td>
</tr>
<tr>
<td>Erie, Pa.</td>
<td width="80">$109,700</td>
<td width="87">-3.20%</td>
<td width="73">2%</td>
</tr>
<tr>
<td>Champaign, Ill.</td>
<td width="80">$123,400</td>
<td width="87">-3.10%</td>
<td width="73">9%</td>
</tr>
<tr>
<td>Topeka, Kan.</td>
<td width="80">$107,200</td>
<td width="87">-2.90%</td>
<td width="73">4%</td>
</tr>
<tr>
<td>Madison, Wis.</td>
<td width="80">$195,400</td>
<td width="87">-2.80%</td>
<td width="73">16%</td>
</tr>
<tr>
<td>Philadelphia, Pa.</td>
<td width="80">$227,700</td>
<td width="87">-2.70%</td>
<td width="73">15%</td>
</tr>
<tr>
<td>Sheboygan, Wis.</td>
<td width="80">$137,200</td>
<td width="87">-2.60%</td>
<td width="73">9%</td>
</tr>
<tr>
<td>Anderson, S.C.</td>
<td width="80">$105,200</td>
<td width="87">-2.40%</td>
<td width="73">N.A.</td>
</tr>
<tr>
<td>St. Cloud, Minn.</td>
<td width="80">$139,100</td>
<td width="87">-2.30%</td>
<td width="73">N.A.</td>
</tr>
<tr>
<td>Springfield, Mass.</td>
<td width="80">$202,200</td>
<td width="87">-2.20%</td>
<td width="73">19%</td>
</tr>
<tr>
<td>Savannah, Ga.</td>
<td width="80">$141,400</td>
<td width="87">-2.20%</td>
<td width="73">21%</td>
</tr>
<tr>
<td>Norwich, Conn.</td>
<td width="80">$230,200</td>
<td width="87">-2.20%</td>
<td width="73">15%</td>
</tr>
<tr>
<td>Lebanon, Pa.</td>
<td width="80">$150,900</td>
<td width="87">-2.20%</td>
<td width="73">N.A.</td>
</tr>
<tr>
<td>Hagerstown, Md.</td>
<td width="80">$170,700</td>
<td width="87">-2.20%</td>
<td width="73">N.A.</td>
</tr>
<tr>
<td>Redding, Calif.</td>
<td width="80">$182,100</td>
<td width="87">-2.10%</td>
<td width="73">56%</td>
</tr>
<tr>
<td>Denver, Colo.</td>
<td width="80">$229,300</td>
<td width="87">-2.10%</td>
<td width="73">10%</td>
</tr>
<tr>
<td>Lewiston, Idaho</td>
<td width="80">$139,800</td>
<td width="87">-2.00%</td>
<td width="73">N.A.</td>
</tr>
<tr>
<td>Wausau, Wis.</td>
<td width="80">$128,800</td>
<td width="87">-1.90%</td>
<td width="73">4%</td>
</tr>
<tr>
<td>Knoxville, Tenn.</td>
<td width="80">$133,200</td>
<td width="87">-1.70%</td>
<td width="73">3%</td>
</tr>
<tr>
<td>San Angelo, Texas</td>
<td width="80">$99,300</td>
<td width="87">-1.40%</td>
<td width="73">-10%</td>
</tr>
<tr>
<td>Los Angeles, Calif.</td>
<td width="80">$368,000</td>
<td width="87">-1.40%</td>
<td width="73">54%</td>
</tr>
<tr>
<td>Elkhart, Ind.</td>
<td width="80">$109,900</td>
<td width="87">-1.20%</td>
<td width="73">-6%</td>
</tr>
<tr>
<td>Fort Collins, Colo.</td>
<td width="80">$219,200</td>
<td width="87">-1.00%</td>
<td width="73">10%</td>
</tr>
<tr>
<td>Flagstaff, Ariz.</td>
<td width="80">$207,600</td>
<td width="87">-1.00%</td>
<td width="73">29%</td>
</tr>
<tr>
<td>Newark, N.J.</td>
<td width="80">$362,700</td>
<td width="87">-0.90%</td>
<td width="73">27%</td>
</tr>
<tr>
<td>Auburn, Ala.</td>
<td width="80">$122,200</td>
<td width="87">-0.40%</td>
<td width="73">N.A.</td>
</tr>
<tr>
<td>Mansfield, Ohio</td>
<td width="80">$100,200</td>
<td width="87">-0.30%</td>
<td width="73">7%</td>
</tr>
<tr>
<td>Kennewick, Wash.</td>
<td width="80">$155,300</td>
<td width="87">-0.30%</td>
<td width="73">2%</td>
</tr>
</tbody>
</table>
<p>Source: IHS Global Insight/PNC Financial Service</p>
]]></content:encoded>
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		<item>
		<title>4 Costliest Mistakes Sellers Make</title>
		<link>http://www.CrystalClearMarket.com/2008/07/14/4-costliest-mistakes-sellers-make/</link>
		<comments>http://www.CrystalClearMarket.com/2008/07/14/4-costliest-mistakes-sellers-make/#comments</comments>
		<pubDate>Mon, 14 Jul 2008 10:40:19 +0000</pubDate>
		<dc:creator>Elliot Lau</dc:creator>
				<category><![CDATA[buyers]]></category>
		<category><![CDATA[Lessons]]></category>
		<category><![CDATA[seller's]]></category>
		<category><![CDATA[Techniques]]></category>
		<category><![CDATA[4 mistakes]]></category>
		<category><![CDATA[Buyer's Market]]></category>
		<category><![CDATA[commissions]]></category>
		<category><![CDATA[costliest mistakes]]></category>
		<category><![CDATA[discount brokers]]></category>
		<category><![CDATA[real estate market]]></category>

		<guid isPermaLink="false">http://www.CrystalClearMarket.com/?p=208</guid>
		<description><![CDATA[As the real estate market continues its downward spiral with no end in sight, homeowners who must sell now are finding the going tough and getting worse. For those homeowners, committing the most common mistakes are amplified and can cost thousands of dollars. If you find yourself having to sell your home now, it is [...]]]></description>
			<content:encoded><![CDATA[<p>As the real estate market continues its downward spiral with no end in sight, homeowners who must sell now are finding the going tough and getting worse.<span> </span> For those homeowners, committing the most common mistakes are amplified and can cost thousands of dollars.<span> </span> If you find yourself having to sell your home now, it is essential that you avoid these costliest mistakes.</p>
<p class="MsoNormal">1.<span> </span> Use a discount broker to sell your home.</p>
<p class="MsoNormal" style="margin-left: 0.5in;">When the market was going crazy just a few short years ago, selling a home meant putting it into the local MLS and prepare for the frenzy of buyers with multiple offers above list price.<span> </span> The market conditions at the time didn’t require much experience of the Realtor to get top dollar for your home.</p>
<p class="MsoNormal" style="margin-left: 0.5in;">That was then, this is now.<span> </span> Discount brokers rely on volume to make up the discounted commissions they charge.<span> </span> That volume doesn’t allow them to provide full services to the seller.<span> </span> Regardless of what they advertise, don’t believe for one second that they will.<span> </span> Their definition of “full service” means putting a sign and lockbox on the property, putting it into MLS, maybe hold an open house and review offers for you.<span> </span> If you consider that “full service”, you’re about to make the first costly mistake.</p>
<p class="MsoNormal" style="margin-left: 0.5in;">This market requires experience AND real marketing to get you top dollar for your home.<span> </span> Do some research on discount brokers.<span> </span> What you’ll find is either small 1-2 person operations or larger offices where most of their agents are new to the business with less than 5 years experience.<span> </span> They don’t have the experience or a real marketing system for getting your home sold.<span> </span> 2008 data shows that discount brokers take twice as long to sell your home and get 5% less than a full service broker.<span> </span> Lots of sellers lose thousands of dollars when they choose a discount broker because they’ll save 2% on the commission but net 5% less on the sale.<span> </span> It is totally acceptable to want to save money.<span> </span> But if you do your homework, you’ll realize that hiring discount brokers in this market is “being penny wise, and pound foolish.”</p>
<p class="MsoNormal">2.<span> </span> Cut the commission.</p>
<p class="MsoNormal" style="margin-left: 0.5in;">Just as in mistake number 1, the last real estate boom taught sellers to negotiate down the commissions.<span> </span> In that market, it was hard for Realtors to justify the 6% commission.<span> </span> It led to sellers expecting to pay reduced commissions as evidenced by a huge increase of market share for discount brokers.<span> </span> Once again, that was then, this is now.<span> </span> And now is not the time to be cutting the commission.<span> </span> You want to attract as many buyers as you possibly can.<span> </span> 91% of buyers in 2008 are introduced to the seller by a broker.<span> </span> With lots of inventory and choices available, which home do you think the broker will show their client; the home offering a reduced commission to the broker or a comparable home offering full commissions?</p>
<p class="MsoNormal" style="margin-left: 0.5in;">If you want to sell your home for top dollar, you should be increasing the incentive to sell your home, not decrease it.<span> </span> It’s natural to want to save money, but if your house sits for months on the market because there’s little incentive to sell it, how much is that going to cost you?</p>
<p class="MsoNormal">3.<span> </span> Price it too high.</p>
<p class="MsoNormal" style="margin-left: 0.5in;">I don’t care what your reason is.<span> </span> If you overprice a home in this market, prepare for a long and expensive lesson.<span> </span> The only market you can possibly overprice a home and still get it sold is in a rapidly appreciating market.<span> </span> In any other market, it just won’t sell.<span> </span> With so many homes for sale in this market, you’re better off not listing it then overpricing it.</p>
<p class="MsoNormal" style="margin-left: 0.5in;">If you have to sell, you’re going to have to bite the bullet and price it right.<span> </span> And don’t buy into the common thinking that you price it high so that you have room to negotiate.<span> </span> That mentality will be your next costliest mistake.</p>
<p class="MsoNormal">4.<span> </span> Keep it in the family or Sell it yourself.</p>
<p class="MsoNormal" style="margin-left: 0.5in;">It’s nice of you to want to help your niece who just got into the business, but underestimating this market and the need for experience is one of the costliest mistakes you can make.<span> </span> Thinking that all agents are the same and don’t see the need to interview and find the best agent with the experience to get your home sell will cost you both time and money.</p>
<p class="MsoNormal" style="margin-left: 0.5in;">Trying to sell it yourself falls into this same costly mistake.<span> </span> Thinking you have the knowledge and experience to sell your home in this market will be an expensive lesson.</p>
<p class="MsoNormal">I can’t emphasize enough how different this market is from a few short years ago.<span> </span> Making any one of these common mistakes in this market will be magnified and when you consider the value of your home, these mistakes amount to thousands of dollars.<span> </span> You wouldn’t consider going to an inexperienced doctor to treat a life threatening illness, or hire your part time nephew who just passed the bar exam to defend you in a big lawsuit.<span> </span> Just like these professionals, experience is everything.<span> </span> Don’t trust your biggest asset you own to someone without that experience.<span> </span> There’s a reason why professionals are paid well.<span> </span> They are entrusted with your most important things in life.</p>
<p class="MsoNormal">Hope this helps.<span> </span> Until next time, happy home selling.</p>
<p class="MsoNormal">Elliot Lau</p>
<p class="MsoNormal">
]]></content:encoded>
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		</item>
		<item>
		<title>Important numbers to know.</title>
		<link>http://www.CrystalClearMarket.com/2008/07/08/important-numbers-to-know/</link>
		<comments>http://www.CrystalClearMarket.com/2008/07/08/important-numbers-to-know/#comments</comments>
		<pubDate>Tue, 08 Jul 2008 19:58:43 +0000</pubDate>
		<dc:creator>brian</dc:creator>
				<category><![CDATA[buyers]]></category>
		<category><![CDATA[Lessons]]></category>
		<category><![CDATA[seller's]]></category>
		<category><![CDATA[Information]]></category>

		<guid isPermaLink="false">http://www.CrystalClearMarket.com/?p=206</guid>
		<description><![CDATA[Buying or selling a home?  A lot of times you need services and don&#8217;t know who to contact.  Here is a list of phone numbers that can make this transition a little easier. 1. Hawaiian Telcom 808-643-3456 2. Hawaiian Electric Co Inc. 808-548-7311 3. Board of Water Supply 808-748-5030 4. Oceanic Time Warner Cable 808-643-2100 [...]]]></description>
			<content:encoded><![CDATA[<p>Buying or selling a home?  A lot of times you need services and don&#8217;t know who to contact.  Here is a list of phone numbers that can make this transition a little easier.</p>
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<p class="MsoNormal"><span style="font-size: 12pt;">1. Hawaiian Telcom<span> </span> <span> </span> <span> </span> 808-643-3456</span></p>
<p class="MsoNormal"><span style="font-size: 12pt;"> </span></p>
<p class="MsoNormal"><span style="font-size: 12pt;">2. Hawaiian Electric Co Inc.<span> </span> 808-548-7311</span></p>
<p class="MsoNormal"><span style="font-size: 12pt;"> </span></p>
<p class="MsoNormal"><span style="font-size: 12pt;">3. Board of Water Supply<span> </span> 808-748-5030</span></p>
<p class="MsoNormal"><span style="font-size: 12pt;"> </span></p>
<p class="MsoNormal"><span style="font-size: 12pt;">4. Oceanic Time Warner Cable<span> </span> 808-643-2100</span></p>
<p class="MsoNormal"><span style="font-size: 12pt;"> </span></p>
<p class="MsoNormal"><span style="font-size: 12pt;">5. Honolulu Department of Motor Vehicle<span> </span> 808-532-7700</span></p>
<p class="MsoNormal"><span style="font-size: 12pt;"> </span></p>
<p class="MsoNormal"><span style="font-size: 12pt;">6. Hawaii Drivers License<span> </span> 808-532-7730</span></p>
<p class="MsoNormal"><span style="font-size: 12pt;"> </span></p>
<p class="MsoNormal"><span style="font-size: 12pt;">7. The Gas Company<span> </span> 808-535-5933 ext 2</span></p>
<p class="MsoNormal"><span style="font-size: 12pt;"> </span></p>
<p class="MsoNormal"><span style="font-size: 12pt;">8. TheBus Pass Office<span> </span> 808-848-4444</span></p>
<p class="MsoNormal"><span style="font-size: 12pt;"><span> </span> Route Information<span> </span> 808-848-5555</span></p>
<p class="MsoNormal"><span style="font-size: 12pt;"> </span></p>
<p class="MsoNormal"><span style="font-size: 12pt;">9. Business Registration, Permits, Licenses (DCCA)<span> </span> 808-586-2727</span></p>
<p class="MsoNormal"><span style="font-size: 12pt;"> </span></p>
<p class="MsoNormal"><span style="font-size: 12pt;">10. Oahu Real Property Tax Assessment Division<span> </span> 808-768-3799</span></p>
<p class="MsoNormal"><span style="font-size: 12pt;"><span> </span> Oahu Real Property Tax Collection (Treasury Dept)<span> </span> 808-<span style="color: black;">768-3980</span> </span></p>
<p class="MsoNormal"><span style="font-size: 12pt;"> </span></p>
<p class="MsoNormal"><span style="font-size: 12pt;">11. Disabled Parking Permits<span> </span> 808-<span style="color: #333333;">586-8121</span> </span></p>
<p class="MsoNormal"><span style="font-size: 12pt; color: #333333;"> </span></p>
<p class="MsoNormal"><span style="font-size: 12pt; color: #333333;">12. Picnic and Camp Permits<span> </span> 808-</span> <span style="font-size: 12pt;">523-4527</span></p>
<p class="MsoNormal"><span style="font-size: 12pt;"> </span></p>
<p class="MsoNormal"><span style="font-size: 12pt;">13. Honolulu C&amp;C  Satellite City   Hall<span> </span> 808-527-6695</span></p>
<p class="MsoNormal"><span style="font-size: 12pt;"> </span></p>
<p class="MsoNormal"><span style="font-size: 12pt;">14. Honolulu C&amp;C Municipal Golf Course Reservations<span> </span> 808-296-2000</span></p>
<p class="MsoNormal"><span style="font-size: 12pt;"> </span></p>
<pre><span style="font-size: 12pt; font-family: ">15. <span style="color: black;">Bulk Item, Green Waste Pickup</span>

</span></pre>
<p class="MsoNormal"><span style="font-size: 12pt;"><span> </span> Honolulu<span> </span> 808-832-7840</span></p>
<p class="MsoNormal"><span style="font-size: 12pt;"><span> </span> Aiea &#8211; Pearl City – Ewa<span> </span> 808-455-9644</span></p>
<p class="MsoNormal"><span style="font-size: 12pt;"><span> </span> Kailua, Kaneohe, Waimanalo<span> </span> 808-262-7298</span></p>
<p class="MsoNormal"><span style="font-size: 12pt;"><span> </span> Koolauloa<span> </span> <span> </span> 808-293-5657</span></p>
<p class="MsoNormal"><span style="font-size: 12pt;"><span> </span> Haleiwa &#8211; Waialua &#8211; Sunset Beach<span> </span> 808-637-4795</span></p>
<p class="MsoNormal"><span style="font-size: 12pt;"><span> </span> Wahiawa – Mililani<span> </span> 808-621-5241</span></p>
<p class="MsoNormal"><span style="font-size: 12pt;"><span> </span> Waianae: Honokai Hale – Makaha<span> </span> 808-697-1178</span></p>
<p class="MsoNormal"><span style="font-size: 12pt;"> </span></p>
<p class="MsoNormal"><span style="font-size: 12pt;">16. People’s Open Market<span> </span> 808-522-7088</span></p>
<p class="MsoNormal"><span style="font-size: 12pt;"> </span></p>
<p class="MsoNormal"><span style="font-size: 12pt;">17. Honolulu C&amp;C Mayor’s Office<span> </span> 808-523-4141</span></p>
]]></content:encoded>
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		<title>California REO List</title>
		<link>http://www.CrystalClearMarket.com/2008/05/18/california-reo-list-2/</link>
		<comments>http://www.CrystalClearMarket.com/2008/05/18/california-reo-list-2/#comments</comments>
		<pubDate>Sun, 18 May 2008 20:36:13 +0000</pubDate>
		<dc:creator>brian</dc:creator>
				<category><![CDATA[buyers]]></category>
		<category><![CDATA[Distressed]]></category>
		<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Real Estate Terminology]]></category>
		<category><![CDATA[seller's]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[bank owned]]></category>
		<category><![CDATA[banked owned]]></category>
		<category><![CDATA[Orange County foreclosure list]]></category>

		<guid isPermaLink="false">http://www.CrystalClearMarket.com/?p=186</guid>
		<description><![CDATA[New list of Southern California distressed sales. This post will focus more on bank owned properties (REOs). Orange County NOD List NTS List Banked Owned Los Angeles Banked Owned Riverside Banked Owned San Bernardino Banked Owned List Update for May 27, 2008]]></description>
			<content:encoded><![CDATA[<p>New list of Southern California distressed sales.  This post will focus more on bank owned properties (REOs).</p>
<p><span style="underline;"><strong>Orange County</strong> </span></p>
<p><a href="http://www.awnow.com/docs/OC_NOD.pdf">NOD List</a></p>
<p><a title="Notice of Trustee Sale" href="http://www.awnow.com/docs/OC_TS.pdf" target="_blank" title="Notice of Trustee Sale">NTS List</a></p>
<p><a href="http://www.awnow.com/docs/OC_REO.pdf">Banked Owned</a></p>
<p>Los Angeles</p>
<p><a title="Los Angeles Banked Owned" href="http://www.awnow.com/docs/LA_REO.pdf" target="_blank" title="Los Angeles Banked Owned">Banked Owned</a></p>
<p>Riverside</p>
<p><a title="Riverside Banked Owned" href="http://www.awnow.com/docs/RIV_REO.pdf" target="_blank" title="Riverside Banked Owned">Banked Owned</a></p>
<p>San Bernardino</p>
<p><a title="San Bernardino Banked Owned" href="http://www.awnow.com/docs/SB_REO.pdf" target="_blank" title="San Bernardino Banked Owned">Banked Owned</a></p>
<p><a href="http://www.crystalclearmarket.com/?p=189" target="_self">List Update for May 27, 2008</a></p>
]]></content:encoded>
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		<title>Top 6 Incentives for Home Sellers</title>
		<link>http://www.CrystalClearMarket.com/2008/05/03/top-6-incentives-for-home-sellers/</link>
		<comments>http://www.CrystalClearMarket.com/2008/05/03/top-6-incentives-for-home-sellers/#comments</comments>
		<pubDate>Sat, 03 May 2008 11:12:02 +0000</pubDate>
		<dc:creator>Elliot Lau</dc:creator>
				<category><![CDATA[buyers]]></category>
		<category><![CDATA[Distressed]]></category>
		<category><![CDATA[Lessons]]></category>
		<category><![CDATA[seller's]]></category>
		<category><![CDATA[Techniques]]></category>
		<category><![CDATA[Buyer's Market]]></category>
		<category><![CDATA[cash back]]></category>
		<category><![CDATA[commissions]]></category>
		<category><![CDATA[down payment]]></category>
		<category><![CDATA[down payment assistance]]></category>
		<category><![CDATA[dpa]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[HUD]]></category>
		<category><![CDATA[incentives]]></category>
		<category><![CDATA[nehemiah]]></category>
		<category><![CDATA[no down]]></category>
		<category><![CDATA[pricing]]></category>
		<category><![CDATA[seller incentives]]></category>
		<category><![CDATA[staging]]></category>
		<category><![CDATA[tips]]></category>
		<category><![CDATA[top 6]]></category>
		<category><![CDATA[tricks]]></category>
		<category><![CDATA[value]]></category>
		<category><![CDATA[zero down payment]]></category>

		<guid isPermaLink="false">http://www.CrystalClearMarket.com/?p=167</guid>
		<description><![CDATA[To frustrated home owners trying to sell their homes in this market, it seems like the market continues to worsen daily as they are subjected to an endless media barrage of gloom and doom. These owners already know there&#8217;s a glut of properties on the market this spring. As if it wasn’t hard enough competing [...]]]></description>
			<content:encoded><![CDATA[<p><span style="font-size: 10pt; font-family: Arial;">To frustrated home owners trying to sell their homes in this market, it seems like the market continues to worsen daily as they are subjected to an endless media barrage of gloom and doom.<span> </span> These owners already know there&#8217;s a glut of properties on the market this spring.<span> </span> As if it wasn’t hard enough competing with highly motivated sellers for the shrinking universe of buyers, they now find themselves competing with banks and large lending institutions that are both willing and able to drastically slash prices to unload the record number of homes they’re getting back from foreclosure.</span></p>
<p class="MsoNormal" style="background: white none repeat scroll 0%; margin-bottom: 7.5pt; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;"><span style="font-size: 10pt; font-family: Arial;">As of March 2008, there were nearly 4 million homes for sale in the U.S., up one-third from just two years ago.<span> </span> Parts of California have more than two years of remaining inventory now on the market.<span> </span> </span></p>
<p class="MsoNormal" style="background: white none repeat scroll 0%; margin-bottom: 7.5pt; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;"><span style="font-size: 10pt; font-family: Arial;">Just because sellers have shifted into survival mode doesn’t mean they need to push the panic button as well.<span> </span> However, it does mean sellers have to get creative to make their home stand out from the others.<span> </span> Sometimes desperate times call for desperate or even bizarre measures and incentives. <span> </span> Stories surfacing include a seller who threw in his classic 1967 <span class="yshortcuts">Pontiac GTO, others </span> buying $10 St. Joseph Statue Home Sales Kits, featuring a small plastic statue of the saint that owners are supposed to bury under for-sale signs. (If you&#8217;re into that sort of thing, the company&#8217;s phone number is 1-888-bury-joe), and even a woman in <span class="yshortcuts">California</span> who offered to bake cookies for a would-be buyer every week for a year.</span></p>
<p class="MsoNormal" style="background: white none repeat scroll 0%; margin-bottom: 7.5pt; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;"><span style="font-size: 10pt; font-family: Arial;">But before they even get to that point, many sellers have considered offering a variety of incentives to sweeten the pot in this buyer&#8217;s market. <span> </span> Two distinct sets of guidelines seem to be emerging for sellers: one for those who need to sell almost immediately and another for slightly less-pressured sellers.<span> </span> The following is to help the first group of desperate sellers.</span></p>
<h2><strong><span style="font-family: Arial;">Top 6 Incentives for the Must-Sell Seller</span> </strong></h2>
<p class="MsoNormal" style="background: white none repeat scroll 0%; margin-bottom: 7.5pt; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;"><strong> </strong></p>
<p class="MsoNormal" style="background: white none repeat scroll 0%; margin-bottom: 7.5pt; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;"><span style="font-size: 10pt; font-family: Arial;">For owners who absolutely, positively must sell, here are the top incentives and strategies currently in use:</span></p>
<p class="MsoNormal" style="background: white none repeat scroll 0%; margin-bottom: 7.5pt; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;"><strong><span style="font-size: 10pt; font-family: Arial;">1.<span> </span> Paying the buyer’s down payment:<span> </span> </span> </strong> <strong><span style="font-size: 10pt; font-weight: normal; font-family: Arial;">With the elimination of nearly all 100% financing loans came the elimination of a large pool of buyers with no cash for the now required down payment.<span> </span> While most loans don’t allow the seller to furnish the down payment for the buyer, a seller is allowed to do it in conjunction with certain types of loans. <span> </span> Sellers who need to sell are putting their homes onto a list of homes that are participating with DPA programs.<span> </span> <span> </span> While most people know about FHA loans, few have heard of “down-payment assistance” (DPA) programs.<span> </span> Buyers needing 100% financing can purchase a home using this method, and since FHA limits were raised, it’s now possible to get 100% financing on a rather large purchase.<span> </span> To participate, sellers must agree to contribute 1%-6% of the selling price to the DPA who in turn gifts the down payment to the buyer.<span> </span> The normal amount is about 3%; a drop in the bucket compared to the price reductions many sellers are making in this market. <span> </span> As a bonus, the contribution amount is tax deductible.<span> </span> Go to The </span> </strong> <a href="http://www.getdownpayment.com/" target="_blank"><strong><span style="font-size: 10pt; font-weight: normal; font-family: Arial;">Nehemiah Program</span> </strong> </a> <strong><span style="font-size: 10pt; font-weight: normal; font-family: Arial;"> to learn more about the largest DPA.</span> </strong></p>
<p class="MsoNormal" style="background: white none repeat scroll 0%; margin-bottom: 7.5pt; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;"><strong><span style="font-size: 10pt; font-family: Arial;">2.<span> </span> Cash-back offers:</span> </strong> <span style="font-size: 10pt; font-family: Arial;"> <span> </span> These include offering to pay a year&#8217;s worth of property taxes or even a year&#8217;s worth of mortgage payments. <span> </span> How much attention do you think a seller offering to pay the buyer’s first year of mortgage payments would attract?<span> </span> Sounds like a lot?<span> </span> It amounts to about 5%-7% of the purchase price.<span> </span> Again, depending on the urgency, that’s not much compared to the alternative of not selling.<span> </span> Also increasingly common are &quot;cash-back&quot; offers that can be credited towards repairs, landscaping, <span class="yshortcuts">closing costs</span> or mortgage points.</span></p>
<p class="MsoNormal" style="background: white none repeat scroll 0%; margin-bottom: 7.5pt; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;"><strong><span style="font-size: 10pt; font-family: Arial;">3.<span> </span> Glamour and glitz:</span> </strong> <span style="font-size: 10pt; font-family: Arial;"> <span> </span> Exotic vacations, timeshares, cars, season tickets for professional sports or even the opera, art, high-definition TVs, thousand-dollar gift cards for gasoline, and more.<span> </span> The more exotic, the better your chances of luring that dwindling number of buyers.</span></p>
<p class="MsoNormal" style="background: white none repeat scroll 0%; margin-bottom: 7.5pt; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;"><strong><span style="font-size: 10pt; font-family: Arial;">4.<span> </span> Lease-to-own options:</span> </strong> <span style="font-size: 10pt; font-family: Arial;"> <span> </span> This can be a motivator for tentative buyers who fear the market will drop further or for buyers who are short on down payments or who can&#8217;t get traditional financing in tightening credit markets. <span> </span> Option structures differ greatly. <span> </span> A rent-to-own agreement, also called &quot;lease-to-own&quot; or &quot;lease-purchase,&quot; is generally a binding agreement to buy a home at a set price at the end of a set period. <span> </span> It offers a little better security for the seller. <span> </span> A lease-option arrangement gives the renter a legal buy-option after a given period, but isn&#8217;t an obligation.</span></p>
<p class="MsoNormal" style="background: white none repeat scroll 0%; margin-bottom: 7.5pt; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;"><strong><span style="font-size: 10pt; font-family: Arial;">5.<span> </span> Increase, not decrease the commission:<span> </span> </span> </strong> <span style="font-size: 10pt; font-family: Arial;">Not all incentives have to be for the buyer.<span> </span> During the last real estate frenzy in which sellers enjoyed multiple offers before the home was even listed and buyers lining up to offer more than the list price for their homes, it started to seem like all you had to do to sell your home was put it on the MLS.<span> </span> The commissions could hardly be justified which led to sellers expecting discounted commissions. <span> </span> That same mindset doesn’t work in this market.<span> </span> With a glut of homes offering full commissions, agents aren’t having to show homes that aren’t offering full commissions anymore.<span> </span> Sellers that need to sell should think about offering bonuses or higher percentages, not less.</span></p>
<p class="MsoNormal" style="background: white none repeat scroll 0%; margin-bottom: 7.5pt; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;"><strong><span style="font-size: 10pt; font-family: Arial;">6.<span> </span> &quot;Mr. Big&quot; of incentives &#8212; proper pricing:</span> </strong> <span style="font-size: 10pt; font-family: Arial;"><span> </span> It&#8217;s pretty simple, a home is going to have to be priced correctly in relation to comparable sales as they exist today, not the 2004-2005 pricing that your neighbors got. Incentives and everything else take a back seat to a home priced correctly.</span></p>
<h2><strong><span style="font-family: Arial;">The Value of Staging</span> </strong></h2>
<p class="MsoNormal" style="background: white none repeat scroll 0%; margin-bottom: 7.5pt; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;"><strong> </strong></p>
<p class="MsoNormal" style="background: white none repeat scroll 0%; margin-bottom: 7.5pt; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;"><span style="font-size: 10pt; font-family: Arial;">Many developers are offering big incentive packages. <span> </span> While many of those can add up to tens of thousands of dollars in the form of price breaks, throw-ins, credits and add-ons, buyers should be aware that the biggest home-value drops also occur in those same areas where there’s an abundance of new construction. <span> </span> Incentives offered by owners in more established, mature markets carry more relative weight.</span></p>
<p class="MsoNormal" style="background: white none repeat scroll 0%; margin-bottom: 7.5pt; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;"><span style="font-size: 10pt; font-family: Arial;">Too many concessions and incentives on the other hand can backfire by making buyers suspicious.<span> </span> It can lead to some buyers thinking the seller must really be desperate. And then begin to wonder, &#8216;What&#8217;s wrong with this house?&#8217;&quot;<span> </span> Bottom line is, two things really sell a house, pricing and staging.</span></p>
<p class="MsoNormal" style="background: white none repeat scroll 0%; margin-bottom: 7.5pt; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;"><span style="font-size: 10pt; font-family: Arial;">Don’t under-estimate staging.<span> </span> A home that’s priced correctly but sits on the market is typically cluttered, dirty and poorly presented and have been branded as tough sells by agents.<span> </span> Agents don&#8217;t show these because they are embarrassing and a waste of people&#8217;s time.</span></p>
<p class="MsoNormal" style="background: white none repeat scroll 0%; margin-bottom: 7.5pt; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;"><span style="font-size: 10pt; font-family: Arial;">The average cost of staging a home is about $2000 &#8212; far less than a price reduction on the average home. <span> </span> Staging focuses on the &quot;three C&#8217;s&quot;: cleaning, clutter removal and colors &#8211; mostly neutral colors with bright accents thrown in for balance.<span> </span> Staging reveals the benefits of the home and helps the buyer &quot;imagine themselves living there.&quot;</span></p>
<p class="MsoNormal" style="background: white none repeat scroll 0%; margin-bottom: 7.5pt; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;"><span style="font-size: 10pt; font-family: Arial;">A 2007 survey encompassing all regions of the U.S. indicated that staging a for-sale home nets a 343 percent <span class="yshortcuts">return on investment</span> . Another survey of 400 homes in the U.S and <span class="yshortcuts">Canada</span> <span class="yshortcuts"> revealed </span> that homes prepped for sale by an accredited staging professional sold in an average 31.8 days compared with 161 days for non-staged homes.</span></p>
<p class="MsoNormal">Hope this helps.  Until next time, happy house hunting!</p>
<p class="MsoNormal">Elliot Lau</p>
<p><a href="http://technorati.com/faves?sub=addfavbtn&amp;add="><img src="http://static.technorati.com/pix/fave/tech-fav-1.png" alt="Add to Technorati Favorites" /> </a></p></blockquote>
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		<title>5 Steps to improve your Credit</title>
		<link>http://www.CrystalClearMarket.com/2008/04/28/5-steps-to-improve-your-credit/</link>
		<comments>http://www.CrystalClearMarket.com/2008/04/28/5-steps-to-improve-your-credit/#comments</comments>
		<pubDate>Mon, 28 Apr 2008 22:11:03 +0000</pubDate>
		<dc:creator>carlton</dc:creator>
				<category><![CDATA[buyers]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Lessons]]></category>
		<category><![CDATA[seller's]]></category>
		<category><![CDATA[Techniques]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Increase credit score]]></category>
		<category><![CDATA[repair credit]]></category>

		<guid isPermaLink="false">http://www.CrystalClearMarket.com/?p=158</guid>
		<description><![CDATA[A lot of homeowners have the mind set that making payments on time automatically equates to good credit and credit scores. Unfortunately, this couldn&#8217;t be further from the truth. While paying your bills on time accounts for a large portion of your credit score, there&#8217;s still a lot more to it. In fact, paying your [...]]]></description>
			<content:encoded><![CDATA[<p class="style1" align="left">A lot of homeowners have the mind set that making payments on time automatically equates to good credit and credit scores.</p>
<p class="style1" align="left">Unfortunately, this couldn&#8217;t be further from the truth.</p>
<p class="style1" align="left">While paying your bills on time accounts for a large portion of your credit score, there&#8217;s still a lot more to it. In fact, paying your bills on time only drives 1/3rd of the points in your credit score, which means that 2/3rds of your score has nothing to do with making on time payments.</p>
<p class="style1" align="left">Five main categories go into making up your overall credit score calculation. Let&#8217;s briefly review each category and how much they count:</p>
<p class="style4" align="left"><span style="color: #ff0000;"><strong>1. Payment History &#8211; The Most Important Category</strong><br />
</span> <span class="style3">This category is pretty self-explanatory. It doesn&#8217;t take a rocket scientist to figure out that if you pay your bills on time, you&#8217;ll do well in this category. Likewise, if you have a history of late payments, collections, chargeoffs, public records, etc. &#8211; you&#8217;re not going to do so well in this category. </span></p>
<p class="style4" align="left"><span class="style3">In addition, the number of negative items on your credit reports is important. The more incidents of credit transgressions, the more your score will suffer. And if you have recent negative information that will punish your scores more than if they are several years old.</span></p>
<p align="left"><span class="style4"><span style="color: #d2232a;"><strong><span style="color: #ff0000;">2. Debt &#8211; A Very Close Second</span> </strong><br />
</span> <span class="style3">The most important non-payment category in your credit score is, by far, the amount of debt that you carry. And while your installment debt (auto loans and mortgages) are factored into your scores, it&#8217;s really your credit card debt that&#8217;s most important. </span> </span></p>
<p align="left"><span class="style4"><span class="style3">This includes anything from Visa, MasterCard, Discover, American Express, gas cards and/or retail credit cards like Macy&#8217;s or Target. The balances that you carry on your credit cards can affect your scores almost as much as whether or not you make your payments on time. </span> </span></p>
<p align="left"><span class="style4"><span class="style3">This category calculates the proportion of balances to credit limits on your revolving credit card accounts &#8211; also referred to as â€˜revolving utilization&#8217;. Simply put, the higher your revolving utilization percentage, the fewer points you will earn in this category.</span> </span></p>
<p align="left">So what is revolving utilization and how is it calculated?</p>
<p align="left">To determine your revolving utilization, you&#8217;ll need to add<br />
up all of your current balances and all of your current credit<br />
limits on your open revolving credit accounts (except for Home Equity Lines of Credit). This will give you a total balance and a total credit limit. Divide the total balances by the total credit limit and then multiply that number by 100. This will give you your total revolving utilization percentage.</p>
<p align="left">See the example provided below:<img src="http://www.creditcrm.com/ET1.gif" alt="" width="342" height="62" /><br />
Remember, the lower your utilization percentage, the more points you&#8217;ll earn and the higher your credit score will be. To earn the most possible points in this category, you should try to keep your revolving utilization at 10% or less. If you can&#8217;t reach 10%, just remember that the lower the better. While 50% is better than 60%, 40% is better than 50% and so on.</p>
<p align="left">How you pay your bills and your revolving utilization are by far the most important factors used to determine your credit scores. They account for 2/3rd of the points in your score. That&#8217;s a hefty chunk! Needless to say, if you don&#8217;t do well in both of these categories, your scores aren&#8217;t going to be very good regardless of how you do in the remaining categories.</p>
<p align="left">While the remaining categories are worth fewer points, they are still very important for consumers who want to earn the highest scores possible, certainly a requirement in today&#8217;s difficult credit environment:</p>
<p class="style3" align="left"><strong><span style="color: #d2232a;"><span class="style12"><span style="color: #ff0000;">3. The Age of Your Credit History -<br />
Secondary Category</span> </span><br />
</span> </strong> Don&#8217;t confuse this with your age. It&#8217;s the age of your credit reports. Basically, the score is looking to see if you have a lengthy history of managing your credit obligations. The age of your credit history is determined by the &quot;date opened&quot; on the oldest account listed on your credit report. The older your credit report, the more points you will earn in this category.</p>
<p class="style3" align="left">There&#8217;s really not much you can do in this category except wait it out. As your reports get older, you will gradually earn<br />
more points. This means that you should never try and get old, good accounts removed from your credit reports.</p>
<p class="style3" align="left">You want the history!</p>
<p class="style3" align="left"><strong><span style="color: #d2232a;"><span class="style13"><span style="color: #ff0000;">4. New Credit/Inquiries &#8211; Secondary Category</span> </span><br />
</span> </strong> When you apply for credit you are giving the lender permission to pull your credit reports and credit scores. Each time this happens, your credit report will reflect what&#8217;s called an &quot;inquiry.&quot; To perform well in this category, you should really only apply for credit when you need it.</p>
<p class="style3" align="left"><strong><span style="color: #d2232a;"><span class="style14"><span style="color: #ff0000;">5. Credit Mix &#8211; Secondary Category</span> </span><br />
</span> </strong> What types of accounts do you have? You will do well in this category if you have a nice diverse list of different types of accounts in your credit report. This includes mortgages, auto loans, installment loans, credit cards, etc.</p>
<p class="style3" align="left">If your credit report is dominated by one type of account (or lack of others), this could negatively affect the number of points that you earn from this category.</p>
<p class="style3" align="left">That pretty much covers the factors that are used in determining your credit scores. Let&#8217;s do a quick recap:</p>
<blockquote>
<p class="style3" align="left"><span class="style16"><strong><span style="color: #d2232a;">1.</span> </strong> </span> How you pay your bills &#8211; on time is good, late     is bad<br />
<span class="style17"><strong><span style="color: #d2232a;">2. </span> </strong> </span> How much you owe your creditors &#8211; keep     your credit card debt low (10% utilization is     optimal)<br />
<span class="style18"><strong><span style="color: #d2232a;">3. </span> </strong> </span> How long you&#8217;ve had credit &#8211; the longer the     better<br />
<span class="style18"><strong><span style="color: #d2232a;">4. </span> </strong> </span> How often you apply for credit &#8211; apply only     when you really need it<br />
<span class="style18"><strong><span style="color: #d2232a;">5.</span> </strong> </span> Account mix &#8211; diversity is good</p>
</blockquote>
<p class="style3" align="left">If you can stick by these five key principles, you should be<br />
well on your way to healthy credit and credit scores.</p>
<p class="style3" align="left">
<p class="style3" align="left">Douglas Young, RA</p>
]]></content:encoded>
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		</item>
		<item>
		<title>California Foreclosure Procedure</title>
		<link>http://www.CrystalClearMarket.com/2008/04/25/california-foreclosure-procedure/</link>
		<comments>http://www.CrystalClearMarket.com/2008/04/25/california-foreclosure-procedure/#comments</comments>
		<pubDate>Fri, 25 Apr 2008 10:47:51 +0000</pubDate>
		<dc:creator>Elliot Lau</dc:creator>
				<category><![CDATA[buyers]]></category>
		<category><![CDATA[Distressed]]></category>
		<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Lessons]]></category>
		<category><![CDATA[Real Estate Terminology]]></category>
		<category><![CDATA[seller's]]></category>
		<category><![CDATA[Techniques]]></category>
		<category><![CDATA[California foreclosures]]></category>
		<category><![CDATA[foreclosure law]]></category>
		<category><![CDATA[foreclosure procedures]]></category>
		<category><![CDATA[Orange County foreclosures]]></category>

		<guid isPermaLink="false">http://www.CrystalClearMarket.com/?p=141</guid>
		<description><![CDATA[Judicial Foreclosure Available: Yes Non-judicial Foreclosure Available: Yes Non-judicial Sale Typically, a title insurance company is named as the trustee to arrange the sale of the real estate. California is famous for its one-action rule, in which a lender must carefully elect one action to take against the borrower if the borrower defaults. If the [...]]]></description>
			<content:encoded><![CDATA[<h2></h2>
<p>Judicial Foreclosure Available: Yes</p>
<p>Non-judicial Foreclosure Available: Yes</p>
<p>Non-judicial Sale Typically, a title insurance company is named as the  trustee to arrange the sale of the real estate.</p>
<p>California is famous for its one-action rule, in which a lender must  carefully elect one action to take against the borrower if the borrower  defaults. If the lender forecloses the deed of trust out of court, the lender  has chosen one action and may not bring a lawsuit to recover a deficiency, which  would be a second action. If the lender chooses to sue the borrower and obtain  both a foreclosure order, and if the proceeds of the judicial sale of the real  estate are not sufficient to repay the loan balance, then a deficiency for the  balance. Such a suit is permitted as the lender’s one action.</p>
<p>California lenders rarely elect judicial foreclosures.</p>
<h5>Preliminary Notice: Non-judicial</h5>
<p>Notice of Sale</p>
<p>The notice of sale must contain the name, street address and phone number of  the trustee conducting the sale and the original trustor, along with a statement  warning borrowers that their property is about to be lost at a public  foreclosure sale and to contact a lawyer for an explanation.</p>
<p>The notice must give the street address. If no street address exists, the  notice must state the address of the beneficiary from whom a set of directions  to the property may be obtained I they are requested in writing within ten days  from the first publications of the foreclosure notice.</p>
<h5>Advertising</h5>
<p>A copy of the notice of sale must be posted in a conspicuous place on the  property to be sold at least 20 days before the sale. If access to the property  is restricted by means of a central guard gate, then the notice must be posted  on the guard gate. A copy of the notice must be posted at one public place in  the city where the property is to be sold (or judicial district in rural areas)  at least 20 days before the sale.</p>
<h5>Recording</h5>
<p>A notice of trustee sale must be recorded at least 14 days before the  sale.</p>
<h5>Mailing</h5>
<p>A notice of trustee sale must be mailed by certified mail, return receipt  requested, 20 days before the foreclosure sale to the borrower, to anyone who  requests notice or recorded a request and to the trustors, beneficiaries or  parties at interest.</p>
<h5>SaleProcedures: Non-judicial</h5>
<p>Time</p>
<p>All sales under a power of sale in a deed o f trust will be made between the  hours of 9:00 a.m. and 5:00 p.m. on any business day, Monday through Friday, at  the time specified in the notice of trustee sale.</p>
<h5>Place</h5>
<p>The sale shall commence at the location specified in the notice of sale.</p>
<h5>Manner</h5>
<p>The sale must be made a public auction to the highest bidder. The trustee has  the right to require every bidder to show evidence of ability to pay the full  bid in cash, cashier’s check or certain bank checks. Each bid is by law an  irrevocable offer to purchase. However, a higher bid cancels an earlier bid. It  is unlawful and a criminal offense (a fine of $10,000 or up to one year in jail)  to offer anyone consideration not to bid, or to fix or restrain the bidding  process in any manner.</p>
<h5>Postponement</h5>
<p>Sales may be postponed by announcement at the time and location specified for  the intended sale. The borrower may postpone the sale in order to obtain cash,  provided the written request for postponement identifies source from which the  funds are to be obtained, and the postponement is only for one business day. The  borrower may obtain one such postponement.</p>
<h5>Reinstatement</h5>
<p>Debtors may reinstate up to five days before non-judicial foreclosure sale.</p>
<h5>Junior</h5>
<p>Junior lien holders may no longer redeem, so they may try to protect  themselves by (1) advancing funds to bring the senior loan payments current,  then foreclosing for the sums advanced; (2) bidding at the foreclosure sale so  the price will be sufficient to pay off the senor and the junior liens; or (3)  acquire the property by bidding at the foreclosure. If the debtor has a right to  redeem and does so, the junior who purchased the home must be reimbursed. Junior  liens do not reattach the property if a borrower redeems a senior lien whose  foreclosure extinguished the junior. This helps borrowers by encouraging the  junior to bid up to the property to fair market value at the foreclosure sale,  or else lose out, giving borrowers closer to fair value at sale.</p>
<h5>Deficiency</h5>
<p>Lenders may not seek a deficiency judgment if (1) the foreclosure is  non-judicial or if (2) foreclosure is on a purchase money obligation. The same  rules do not apply to guarantee or later lien holders. The lenders may seize  alternative collateral. If the lender forecloses by filing a lawsuit, then the  lender can obtain both a foreclosure sale order and a judgment against the  borrower for a deficiency after the court-ordered sale, but only for the  difference between the judgment and the fair value of the security.</p>
<h5>Redemption</h5>
<p>A borrower’s right to redemption is terminated when a deficiency judgment is  waived or prohibited. When redemption is permitted, after judicial foreclosure,  only the borrower can now redeem and junior lien holders or &quot;redemptionors&quot; may  not. When the lender is permitted to seek a deficiency, elects to pursue a  deficiency and forecloses judicially, the borrower may redeem 12 months after  sale, but a full credit bid by the lender cuts it to 3 months.</p>
]]></content:encoded>
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		</item>
		<item>
		<title>Hawaii Foreclosure Procedure</title>
		<link>http://www.CrystalClearMarket.com/2008/04/25/hawaii-foreclosure-procedure/</link>
		<comments>http://www.CrystalClearMarket.com/2008/04/25/hawaii-foreclosure-procedure/#comments</comments>
		<pubDate>Fri, 25 Apr 2008 10:45:20 +0000</pubDate>
		<dc:creator>Elliot Lau</dc:creator>
				<category><![CDATA[buyers]]></category>
		<category><![CDATA[Distressed]]></category>
		<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Lessons]]></category>
		<category><![CDATA[Real Estate Terminology]]></category>
		<category><![CDATA[seller's]]></category>
		<category><![CDATA[Techniques]]></category>
		<category><![CDATA[foreclosure law]]></category>
		<category><![CDATA[foreclosure procedures]]></category>
		<category><![CDATA[hawaii foreclosures]]></category>
		<category><![CDATA[oahu foreclosures]]></category>

		<guid isPermaLink="false">http://www.CrystalClearMarket.com/?p=140</guid>
		<description><![CDATA[Judicial Foreclosure Available: Yes Non judicial Foreclosure Available: Yes Foreclosure in Hawaii takes one of two forms: (1) judicial foreclosure by a lawsuit much like any other lawsuit or (2) sale under a power of sale clause in the mortgage. Preferred Method: Judicial foreclosure is the preferred method in Hawaii . Although trust deeds are [...]]]></description>
			<content:encoded><![CDATA[<h2></h2>
<p>Judicial Foreclosure Available: Yes</p>
<p>Non judicial Foreclosure Available: Yes</p>
<p>Foreclosure in Hawaii takes one of two forms: (1) judicial foreclosure by a  lawsuit much like any other lawsuit or (2) sale under a power of sale clause in  the mortgage.</p>
<h5>Preferred Method:</h5>
<p>Judicial foreclosure is the preferred method in Hawaii . Although trust deeds  are available, they are not commonly used.</p>
<h5>Judicial Foreclosure</h5>
<p>In a judicial foreclosure, the Circuit court may assess the amount due on a  mortgage, without a jury, and render judgment for that amount and an order of  foreclosure on the mortgage. The actual sale of the property will take place in  the same way as normal execution sales.</p>
<h5>Non-judicial Foreclosure</h5>
<p>Preliminary Notices</p>
<p>Advertising</p>
<p>Out-of-court foreclosures must be published, in English once per week for  three consecutive weeks. The last publication must be run no less that 14 days  before the sale date.</p>
<h5>Mailing</h5>
<p>Mortgage creditors having a mortgaged lien against the property that another  mortgage creditor intends to foreclose on under a power of sale clause may, if a  written request is given to the foreclosing mortgage creditor, receive notice of  the lender’s intent to foreclose. The foreclosing lender must mail the notice to  the other mortgage creditors at least seven days prior to the date of the sale.</p>
<h5>Sale</h5>
<p>The highest bidder at the foreclosure sale buys the property.</p>
<h5>Post-Sale Matters</h5>
<p>A buyer at the foreclosure sale holds title subject to the existing liens.  Any surplus from the sale shall be paid over to the owner of the mortgaged  property.</p>
<h5>Special Procedures</h5>
<p>A notice of any foreclosure on a condominium apartment must be sent certified  or registered mail to the association of the condominium. This notice must be  sent at the time the lender begins foreclosure proceedings. This provision may  not be waived.</p>
<h5>Redemption</h5>
<p>Redemption rights have been abolished in Hawaii</p>
]]></content:encoded>
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		</item>
		<item>
		<title>California Foreclosure Market Statistics &#8211; By County</title>
		<link>http://www.CrystalClearMarket.com/2008/04/25/california-foreclosure-market-statistics-by-county/</link>
		<comments>http://www.CrystalClearMarket.com/2008/04/25/california-foreclosure-market-statistics-by-county/#comments</comments>
		<pubDate>Fri, 25 Apr 2008 10:37:32 +0000</pubDate>
		<dc:creator>Elliot Lau</dc:creator>
				<category><![CDATA[buyers]]></category>
		<category><![CDATA[Distressed]]></category>
		<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Lessons]]></category>
		<category><![CDATA[seller's]]></category>
		<category><![CDATA[Techniques]]></category>
		<category><![CDATA[california foreclosure]]></category>
		<category><![CDATA[california foreclosure statistics]]></category>
		<category><![CDATA[California foreclosures]]></category>
		<category><![CDATA[data]]></category>
		<category><![CDATA[foreclosure data]]></category>
		<category><![CDATA[Foreclosure statistics]]></category>
		<category><![CDATA[historical]]></category>
		<category><![CDATA[historical data]]></category>
		<category><![CDATA[Orange County foreclosures]]></category>
		<category><![CDATA[orange county real estate]]></category>
		<category><![CDATA[Real Estate Statistics]]></category>
		<category><![CDATA[san diego foreclosures]]></category>
		<category><![CDATA[statistics]]></category>
		<category><![CDATA[stats]]></category>

		<guid isPermaLink="false">http://www.CrystalClearMarket.com/?p=139</guid>
		<description><![CDATA[California Foreclosure Market Statistics COUNTY: ALAMEDA HOUSEHOLDS: 556,474 2006 TOTAL: 3,565 Jan-07 Feb-07 Mar-07 Apr-07 436 367 617 418 May-07 Jun-07 Jul-07 Aug-07 627 433 750 832 Sep-07 Oct-07 Nov-07 Dec-07 726 1,313 1,084 1274 Jan-08 Feb-08 March-08 1,469 1,320 1,635 12 MONTH TOTAL: 12,498 PER HOUSEHOLD: 2.25% MONTHLY CHANGE: 23.86% YEARLY CHANGE: 164.99% COUNTY: [...]]]></description>
			<content:encoded><![CDATA[<h1>California Foreclosure Market Statistics</h1>
<p><strong><span style="color: #007fbb;">COUNTY: </span> ALAMEDA</strong> <strong><br />
<span style="color: #007fbb;">HOUSEHOLDS: </span> 556,474<br />
<span style="color: #007fbb;">2006 TOTAL: </span> 3,565</strong></p>
<table title="foreclosure_market_statistics" border="1" cellspacing="0" cellpadding="0" width="360">
<tbody>
<tr>
<th> Jan-07</th>
<th> Feb-07</th>
<th> Mar-07</th>
<th> Apr-07</th>
</tr>
<tr>
<td align="center">436</td>
<td align="center">367</td>
<td align="center">617</td>
<td align="center">418</td>
</tr>
<tr>
<th> May-07</th>
<th> Jun-07</th>
<th> Jul-07</th>
<th> Aug-07</th>
</tr>
<tr>
<td align="center">627</td>
<td align="center">433</td>
<td align="center">750</td>
<td align="center">832</td>
</tr>
<tr>
<th> Sep-07</th>
<th> Oct-07</th>
<th> Nov-07</th>
<th> Dec-07</th>
</tr>
<tr>
<td align="center">726</td>
<td align="center">1,313</td>
<td align="center">1,084</td>
<td align="center">1274</td>
</tr>
<tr>
<th> Jan-08</th>
<th> Feb-08</th>
<th> March-08</th>
<th></th>
</tr>
<tr>
<td align="center">1,469</td>
<td align="center">1,320</td>
<td align="center">1,635</td>
<td align="right"></td>
</tr>
</tbody>
</table>
<p><strong><span style="color: #007fbb;">12 MONTH TOTAL: </span> 12,498<br />
<span style="color: #007fbb;">PER HOUSEHOLD: </span> 2.25%<br />
<span style="color: #007fbb;">MONTHLY CHANGE: </span> 23.86%<br />
<span style="color: #007fbb;">YEARLY CHANGE: </span> 164.99%<br />
</strong></p>
<hr /><strong><span style="color: #007fbb;">COUNTY: </span> CONTRA COSTA<br />
<span style="color: #007fbb;">HOUSEHOLDS: </span> 383,328<br />
<span style="color: #007fbb;">2006 TOTAL: </span> 3,738</strong></p>
<table title="foreclosure_market_statistics" border="1" cellspacing="0" cellpadding="0" width="360">
<tbody>
<tr>
<th> Jan-07</th>
<th> Feb-07</th>
<th> Mar-07</th>
<th> Apr-07</th>
</tr>
<tr>
<td align="center">540</td>
<td align="center">537</td>
<td align="center">677</td>
<td align="center">573</td>
</tr>
<tr>
<th> Apr-07</th>
<th> May-07</th>
<th> Jun-07</th>
<th> Jul-07</th>
</tr>
<tr>
<td align="center">730</td>
<td align="center">730</td>
<td align="center">909</td>
<td align="center">1,154</td>
</tr>
<tr>
<th> Aug-07</th>
<th> Sep-07</th>
<th> Oct-07</th>
<th> Nov-07</th>
</tr>
<tr>
<td align="center">1,128</td>
<td align="center">1,994</td>
<td align="center">1,861</td>
<td align="center">1,1632</td>
</tr>
<tr>
<th> Jan-08</th>
<th> Feb-08</th>
<th> March-08</th>
<th></th>
</tr>
<tr>
<td align="center">2,229</td>
<td align="center">2,282</td>
<td align="center">2,566</td>
<td align="right"></td>
</tr>
</tbody>
</table>
<p><strong><span style="color: #007fbb;">12 MONTH TOTAL: </span> 18,465<br />
<span style="color: #007fbb;">PER HOUSEHOLD: </span> 4.82%<br />
<span style="color: #007fbb;">MONTHLY CHANGE: </span> 12.45%<br />
<span style="color: #007fbb;">YEARLY CHANGE: </span> 279.03%<br />
</strong></p>
<hr /><strong><span style="color: #007fbb;">COUNTY: </span> FRESNO<br />
<span style="color: #007fbb;">HOUSEHOLDS: </span> 292,733<br />
<span style="color: #007fbb;">2006 TOTAL: </span> 2,712</strong></p>
<table title="foreclosure_market_statistics" border="1" cellspacing="0" cellpadding="0" width="360">
<tbody>
<tr>
<th> Jan-07</th>
<th> Feb-07</th>
<th> Mar-07</th>
<th> Apr-07</th>
</tr>
<tr>
<td align="center">302</td>
<td align="center">342</td>
<td align="center">377</td>
<td align="center">362</td>
</tr>
<tr>
<th> May-07</th>
<th> Jun-07</th>
<th> Jul-07</th>
<th> Aug-07</th>
</tr>
<tr>
<td align="center">433</td>
<td align="center">780</td>
<td align="center">704</td>
<td align="center">744</td>
</tr>
<tr>
<th> Sep-07</th>
<th> Oct-07</th>
<th> Nov-07</th>
<th> Dec-07</th>
</tr>
<tr>
<td align="center">731</td>
<td align="center">771</td>
<td align="center">819</td>
<td align="center">795</td>
</tr>
<tr>
<th> Jan-08</th>
<th> Feb-08</th>
<th> March-08</th>
<th></th>
</tr>
<tr>
<td align="center">1,297</td>
<td align="center">1,169</td>
<td align="center">1,136</td>
<td align="right"></td>
</tr>
</tbody>
</table>
<p><strong><span style="color: #007fbb;">12 MONTH TOTAL: </span> 10,118<br />
<span style="color: #007fbb;">PER HOUSEHOLD: </span> 3.46%<br />
<span style="color: #007fbb;">MONTHLY CHANGE: </span> -2.82%<br />
<span style="color: #007fbb;">YEARLY CHANGE: </span> 201.33%<br />
</strong></p>
<hr /><strong><span style="color: #007fbb;">COUNTY: </span> IMPERIAL<br />
<span style="color: #007fbb;">HOUSEHOLDS: </span> 49,491<br />
<span style="color: #007fbb;">2006 TOTAL: </span> na</strong></p>
<table title="foreclosure_market_statistics" border="1" cellspacing="0" cellpadding="0" width="360">
<tbody>
<tr>
<th> Jan-07</th>
<th> Feb-07</th>
<th> Mar-07</th>
<th> Apr-07</th>
</tr>
<tr>
<td align="center">na</td>
<td align="center">na</td>
<td align="center">na</td>
<td align="center">na</td>
</tr>
<tr>
<th> May-07</th>
<th> Jun-07</th>
<th> Jul-07</th>
<th> Aug-07</th>
</tr>
<tr>
<td align="center">na</td>
<td align="center">na</td>
<td align="center">na</td>
<td align="center">na</td>
</tr>
<tr>
<th> Sep-07</th>
<th> Oct-07</th>
<th> Nov-07</th>
<th> Dec-07</th>
</tr>
<tr>
<td align="center">102</td>
<td align="center">128</td>
<td align="center">na</td>
<td align="center">119</td>
</tr>
<tr>
<th> Jan-08</th>
<th> Feb-08</th>
<th> March-08</th>
<th></th>
</tr>
<tr>
<td align="center">na</td>
<td align="center">312</td>
<td align="right">223</td>
<td align="right"></td>
</tr>
</tbody>
</table>
<p><strong><span style="color: #007fbb;">12 MONTH TOTAL: </span> 884<br />
<span style="color: #007fbb;">PER HOUSEHOLD: </span> 1.79%<br />
<span style="color: #007fbb;">MONTHLY CHANGE: </span> -28.53<br />
<span style="color: #007fbb;">YEARLY CHANGE: </span> na<br />
</strong></p>
<hr /><strong><span style="color: #007fbb;">COUNTY: </span> KERN<br />
<span style="color: #007fbb;">HOUSEHOLDS: </span> 254,226<br />
<span style="color: #007fbb;">2006 TOTAL: </span> 2,900</strong></p>
<table title="foreclosure_market_statistics" border="1" cellspacing="0" cellpadding="0" width="360">
<tbody>
<tr>
<th> Jan-07</th>
<th> Feb-07</th>
<th> Mar-07</th>
<th> Apr-07</th>
</tr>
<tr>
<td align="center">411</td>
<td align="center">424</td>
<td align="center">479</td>
<td align="center">421</td>
</tr>
<tr>
<th> May-07</th>
<th> Jun-07</th>
<th> Jul-07</th>
<th> Aug-07</th>
</tr>
<tr>
<td align="center">507</td>
<td align="center">784</td>
<td align="center">909</td>
<td align="center">1,009</td>
</tr>
<tr>
<th> Sep-07</th>
<th> Oct-07</th>
<th> Nov-07</th>
<th> Dec-07</th>
</tr>
<tr>
<td align="center">852</td>
<td align="center">924</td>
<td align="center">1,219</td>
<td align="center">629</td>
</tr>
<tr>
<th> Jan-08</th>
<th> Feb-08</th>
<th> March-08</th>
<th></th>
</tr>
<tr>
<td align="center">1,834</td>
<td align="center">1,598</td>
<td align="center">1,610</td>
<td align="right"></td>
</tr>
</tbody>
</table>
<p><strong><span style="color: #007fbb;">12 MONTH TOTAL: </span> 12,775<br />
<span style="color: #007fbb;">PER HOUSEHOLD: </span> 5.03%<br />
<span style="color: #007fbb;">MONTHLY CHANGE: </span> .75%<br />
<span style="color: #007fbb;">YEARLY CHANGE: </span> 236.12%<br />
</strong></p>
<hr /><strong><span style="color: #007fbb;">COUNTY: </span> LOS ANGELES<br />
<span style="color: #007fbb;">HOUSEHOLDS: </span> 3,339,763<br />
<span style="color: #007fbb;">2006 TOTAL: </span> 23,781</strong></p>
<table title="foreclosure_market_statistics" border="1" cellspacing="0" cellpadding="0" width="360">
<tbody>
<tr>
<th> Jan-07</th>
<th> Feb-07</th>
<th> Mar-07</th>
<th> Apr-07</th>
</tr>
<tr>
<td align="center">2,853</td>
<td align="center">3,532</td>
<td align="center">3,893</td>
<td align="center">3,514</td>
</tr>
<tr>
<th> May-07</th>
<th> Jun-07</th>
<th> Jul-07</th>
<th> Aug-07</th>
</tr>
<tr>
<td align="center">4,264</td>
<td align="center">4,243</td>
<td align="center">5,318</td>
<td align="center">6,040</td>
</tr>
<tr>
<th> Sep-07</th>
<th> Oct-07</th>
<th> Nov-07</th>
<th> Dec-07</th>
</tr>
<tr>
<td align="center">5,940</td>
<td align="center">6,832</td>
<td align="center">5,261</td>
<td align="center">6,979</td>
</tr>
<tr>
<th> Jan-08</th>
<th> Feb-08</th>
<th> March-08</th>
<th></th>
</tr>
<tr>
<td align="center">9,885</td>
<td align="center">7,695</td>
<td align="center">10,846</td>
<td align="right"></td>
</tr>
</tbody>
</table>
<p><strong><span style="color: #007fbb;">12 MONTH TOTAL: </span> 80,710<br />
<span style="color: #007fbb;">PER HOUSEHOLD: </span> 2.42%<br />
<span style="color: #007fbb;">MONTHLY CHANGE: </span> 40.95%<br />
<span style="color: #007fbb;">YEARLY CHANGE: </span> 178.60%<br />
</strong></p>
<hr /><strong><span style="color: #007fbb;">COUNTY: </span> ORANGE<br />
<span style="color: #007fbb;">HOUSEHOLDS: </span> 1,017,219<br />
<span style="color: #007fbb;">2006 TOTAL: </span> 5,674</strong></p>
<table title="foreclosure_market_statistics" border="1" cellspacing="0" cellpadding="0" width="360">
<tbody>
<tr>
<th> Jan-07</th>
<th> Feb-07</th>
<th> Mar-07</th>
<th> Apr-07</th>
</tr>
<tr>
<td align="center">913</td>
<td align="center">948</td>
<td align="center">1,160</td>
<td align="center">1,057</td>
</tr>
<tr>
<th> May-07</th>
<th> Jun-07</th>
<th> Jul-07</th>
<th> Aug-07</th>
</tr>
<tr>
<td align="center">1,169</td>
<td align="center">1,324</td>
<td align="center">1,295</td>
<td align="center">1,662</td>
</tr>
<tr>
<th> Sep-07</th>
<th> Oct-07</th>
<th> Nov-07</th>
<th> Dec-07</th>
</tr>
<tr>
<td align="center">1,612</td>
<td align="center">1,633</td>
<td align="center">1,311</td>
<td align="center">1,874</td>
</tr>
<tr>
<th> Jan-08</th>
<th> Feb-08</th>
<th> March-08</th>
<th></th>
</tr>
<tr>
<td align="center">3,923</td>
<td align="center">2,952</td>
<td align="center">3,341</td>
<td align="right"></td>
</tr>
</tbody>
</table>
<p><strong><span style="color: #007fbb;">12 MONTH TOTAL: </span> 24,313<br />
<span style="color: #007fbb;">PER HOUSEHOLD: </span> 2.39%<br />
<span style="color: #007fbb;">MONTHLY CHANGE: </span> 13.18%<br />
<span style="color: #007fbb;">YEARLY CHANGE: </span> 188.02%<br />
</strong></p>
<hr /><strong><span style="color: #007fbb;">COUNTY: </span> RIVERSIDE<br />
<span style="color: #007fbb;">HOUSEHOLDS: </span> 699,474<br />
<span style="color: #007fbb;">2006 TOTAL: </span> 11,885</strong></p>
<table title="foreclosure_market_statistics" border="1" cellspacing="0" cellpadding="0" width="360">
<tbody>
<tr>
<th> Jan-07</th>
<th> Feb-07</th>
<th> Mar-07</th>
<th> Apr-07</th>
</tr>
<tr>
<td align="center">1,131</td>
<td align="center">1,008</td>
<td align="center">1,277</td>
<td align="center">1,293</td>
</tr>
<tr>
<th> May-07</th>
<th> Jun-07</th>
<th> Jul-07</th>
<th> Aug-07</th>
</tr>
<tr>
<td align="center">2,714</td>
<td align="center">3,021</td>
<td align="center">3,926</td>
<td align="center">4,036</td>
</tr>
<tr>
<th> Sep-07</th>
<th> Oct-07</th>
<th> Nov-07</th>
<th> Dec-07</th>
</tr>
<tr>
<td align="center">4,605</td>
<td align="center">4,525</td>
<td align="center">3,801</td>
<td align="center">4,488</td>
</tr>
<tr>
<th> Jan-08</th>
<th> Feb-08</th>
<th> March-08</th>
<th></th>
</tr>
<tr>
<td align="center">8,554</td>
<td align="center">6,192</td>
<td align="center">7,081</td>
<td align="right"></td>
</tr>
</tbody>
</table>
<p><strong><span style="color: #007fbb;">12 MONTH TOTAL: </span> 55,513<br />
<span style="color: #007fbb;">PER HOUSEHOLD: </span> 7.94%<br />
<span style="color: #007fbb;">MONTHLY CHANGE: </span> 14.36%<br />
<span style="color: #007fbb;">YEARLY CHANGE: </span> 454.50%<br />
</strong></p>
<hr /><strong><span style="color: #007fbb;">COUNTY: </span> SACRAMENTO<br />
<span style="color: #007fbb;">HOUSEHOLDS: </span> 528,035<br />
<span style="color: #007fbb;">2006 TOTAL: </span> na</strong></p>
<table title="foreclosure_market_statistics" border="1" cellspacing="0" cellpadding="0" width="360">
<tbody>
<tr>
<th> Jan-07</th>
<th> Feb-07</th>
<th> Mar-07</th>
<th> Apr-07</th>
</tr>
<tr>
<td align="center">905</td>
<td align="center">911</td>
<td align="center">1,145</td>
<td align="center">1,052</td>
</tr>
<tr>
<th> May-07</th>
<th> Jun-07</th>
<th> Jul-07</th>
<th> Aug-07</th>
</tr>
<tr>
<td align="center">1,401</td>
<td align="center">2,008</td>
<td align="center">2,462</td>
<td align="center">2,248</td>
</tr>
<tr>
<th> Sep-07</th>
<th> Oct-07</th>
<th> Nov-07</th>
<th> Dec-07</th>
</tr>
<tr>
<td align="center">1,626</td>
<td align="center">3,492</td>
<td align="center">2,389</td>
<td align="center">2,613</td>
</tr>
<tr>
<th> Jan-08</th>
<th> Feb-08</th>
<th> March-08</th>
<th></th>
</tr>
<tr>
<td align="center">3,776</td>
<td align="center">3,311</td>
<td align="center">3,495</td>
<td align="right"></td>
</tr>
</tbody>
</table>
<p><strong><span style="color: #007fbb;">12 MONTH TOTAL: </span> 31,018<br />
<span style="color: #007fbb;">PER HOUSEHOLD: </span> 5.87%<br />
<span style="color: #007fbb;">MONTHLY CHANGE: </span> 5.56%<br />
<span style="color: #007fbb;">YEARLY CHANGE: </span> 205.24%<br />
</strong></p>
<hr /><strong><span style="color: #007fbb;">COUNTY: </span> SAN BERNADINO<br />
<span style="color: #007fbb;">HOUSEHOLDS: </span> 652,802<br />
<span style="color: #007fbb;">2006 TOTAL: </span> 9,491</strong></p>
<table title="foreclosure_market_statistics" border="1" cellspacing="0" cellpadding="0" width="360">
<tbody>
<tr>
<th> Jan-07</th>
<th> Feb-07</th>
<th> Mar-07</th>
<th> Apr-07</th>
</tr>
<tr>
<td align="center">1,141</td>
<td align="center">1,208</td>
<td align="center">1,278</td>
<td align="center">1,059</td>
</tr>
<tr>
<th> May-07</th>
<th> Jun-07</th>
<th> Jul-07</th>
<th> Aug-07</th>
</tr>
<tr>
<td align="center">1,869</td>
<td align="center">2,167</td>
<td align="center">2,738</td>
<td align="center">2,435</td>
</tr>
<tr>
<th> Sep-07</th>
<th> Oct-07</th>
<th> Nov-07</th>
<th> Dec-07</th>
</tr>
<tr>
<td align="center">3,184</td>
<td align="center">2,989</td>
<td align="center">2,666</td>
<td align="center">3,394</td>
</tr>
<tr>
<th> Jan-08</th>
<th> Feb-08</th>
<th> March-08</th>
<th></th>
</tr>
<tr>
<td align="center">5,862</td>
<td align="center">4,641</td>
<td align="center">5,552</td>
<td align="right"></td>
</tr>
</tbody>
</table>
<p><strong><span style="color: #007fbb;">12 MONTH TOTAL: </span> 39,740<br />
<span style="color: #007fbb;">PER HOUSEHOLD: </span> 6.09%<br />
<span style="color: #007fbb;">MONTHLY CHANGE: </span> 16.30%<br />
<span style="color: #007fbb;">YEARLY CHANGE: </span> 324.88%<br />
</strong></p>
<hr /><strong><span style="color: #007fbb;">COUNTY: </span> SAN DIEGO<br />
<span style="color: #007fbb;">HOUSEHOLDS: </span> 1,113,207<br />
<span style="color: #007fbb;">2006 TOTAL: </span> 8,843</strong></p>
<table title="foreclosure_market_statistics" border="1" cellspacing="0" cellpadding="0" width="360">
<tbody>
<tr>
<th> Jan-07</th>
<th> Feb-07</th>
<th> Mar-07</th>
<th> Apr-07</th>
</tr>
<tr>
<td align="center">1,723</td>
<td align="center">1,604</td>
<td align="center">2,103</td>
<td align="center">1,863</td>
</tr>
<tr>
<th> May-07</th>
<th> Jun-07</th>
<th> Jul-07</th>
<th> Aug-07</th>
</tr>
<tr>
<td align="center">2,150</td>
<td align="center">2,152</td>
<td align="center">2,187</td>
<td align="center">2,221</td>
</tr>
<tr>
<th> Sep-07</th>
<th> Oct-07</th>
<th> Nov-07</th>
<th> Dec-07</th>
</tr>
<tr>
<td align="center">2,734</td>
<td align="center">3,631</td>
<td align="center">2,618</td>
<td align="center">2,997</td>
</tr>
<tr>
<th> Jan-08</th>
<th> Feb-08</th>
<th> March-08</th>
<th></th>
</tr>
<tr>
<td align="center">6,003</td>
<td align="center">4,641</td>
<td align="center">4,552</td>
<td align="right"></td>
</tr>
</tbody>
</table>
<p><strong><span style="color: #007fbb;">12 MONTH TOTAL: </span> 39,740<br />
<span style="color: #007fbb;">PER HOUSEHOLD: </span> 3.58%<br />
<span style="color: #007fbb;">MONTHLY CHANGE: </span> -1.92%<br />
<span style="color: #007fbb;">YEARLY CHANGE: </span> 116.45%<br />
</strong></p>
<hr /><strong><span style="color: #007fbb;">COUNTY: </span> SAN FRANCISCO<br />
<span style="color: #007fbb;">HOUSEHOLDS: </span> 354,963<br />
<span style="color: #007fbb;">2006 TOTAL: </span> 720</strong></p>
<table title="foreclosure_market_statistics" border="1" cellspacing="0" cellpadding="0" width="360">
<tbody>
<tr>
<th> Jan-07</th>
<th> Feb-07</th>
<th> Mar-07</th>
<th> Apr-07</th>
</tr>
<tr>
<td align="center">90</td>
<td align="center">68</td>
<td align="center">99</td>
<td align="center">73</td>
</tr>
<tr>
<th> May-07</th>
<th> Jun-07</th>
<th> Jul-07</th>
<th> Aug-07</th>
</tr>
<tr>
<td align="center">108</td>
<td align="center">143</td>
<td align="center">136</td>
<td align="center">122</td>
</tr>
<tr>
<th> Sep-07</th>
<th> Oct-07</th>
<th> Nov-07</th>
<th> Dec-07</th>
</tr>
<tr>
<td align="center">76</td>
<td align="center">178</td>
<td align="center">124</td>
<td align="center">126</td>
</tr>
<tr>
<th> Jan-08</th>
<th> Feb-08</th>
<th> March-08</th>
<th></th>
</tr>
<tr>
<td align="center">188</td>
<td align="center">147</td>
<td align="center">152</td>
<td align="right"></td>
</tr>
</tbody>
</table>
<p><strong><span style="color: #007fbb;">12 MONTH TOTAL: </span> 1,672<br />
<span style="color: #007fbb;">PER HOUSEHOLD: </span> 0.47%<br />
<span style="color: #007fbb;">MONTHLY CHANGE: </span> 3.4%<br />
<span style="color: #007fbb;">YEARLY CHANGE: </span> 53.54%<br />
</strong></p>
<hr /><strong><span style="color: #007fbb;">COUNTY: </span> SAN JOAQUIN<br />
<span style="color: #007fbb;">HOUSEHOLDS: </span> 217,991<br />
<span style="color: #007fbb;">2006 TOTAL: </span> 3,188</strong></p>
<table title="foreclosure_market_statistics" border="1" cellspacing="0" cellpadding="0" width="360">
<tbody>
<tr>
<th> Jan-07</th>
<th> Feb-07</th>
<th> Mar-07</th>
<th> Apr-07</th>
</tr>
<tr>
<td align="center">423</td>
<td align="center">429</td>
<td align="center">694</td>
<td align="center">507</td>
</tr>
<tr>
<th> May-07</th>
<th> Jun-07</th>
<th> Jul-07</th>
<th> Aug-07</th>
</tr>
<tr>
<td align="center">643</td>
<td align="center">1,066</td>
<td align="center">976</td>
<td align="center">1,194</td>
</tr>
<tr>
<th> Sep-07</th>
<th> Oct-07</th>
<th> Nov-07</th>
<th> Dec-07</th>
</tr>
<tr>
<td align="center">578</td>
<td align="center">650</td>
<td align="center">750</td>
<td align="center">1,131</td>
</tr>
<tr>
<th> Jan-08</th>
<th> Feb-08</th>
<th> March-08</th>
<th></th>
</tr>
<tr>
<td align="center">2,420</td>
<td align="center">1,900</td>
<td align="center">1,552</td>
<td align="right"></td>
</tr>
</tbody>
</table>
<p><strong><span style="color: #007fbb;">12 MONTH TOTAL: </span> 13,331<br />
<span style="color: #007fbb;">PER HOUSEHOLD: </span> 6.12%<br />
<span style="color: #007fbb;">MONTHLY CHANGE: </span> -19.89%<br />
<span style="color: #007fbb;">YEARLY CHANGE: </span> 119.31%<br />
</strong></p>
<hr /><strong><span style="color: #007fbb;">COUNTY: </span> SAN MATEO<br />
<span style="color: #007fbb;">HOUSEHOLDS: </span> 266,154<br />
<span style="color: #007fbb;">2006 TOTAL: </span> 1,052</strong></p>
<table title="foreclosure_market_statistics" border="1" cellspacing="0" cellpadding="0" width="360">
<tbody>
<tr>
<th> Jan-07</th>
<th> Feb-07</th>
<th> Mar-07</th>
<th> Apr-07</th>
</tr>
<tr>
<td align="center">105</td>
<td align="center">122</td>
<td align="center">106</td>
<td align="center">118</td>
</tr>
<tr>
<th> May-07</th>
<th> Jun-07</th>
<th> Jul-07</th>
<th> Aug-07</th>
</tr>
<tr>
<td align="center">111</td>
<td align="center">128</td>
<td align="center">156</td>
<td align="center">182</td>
</tr>
<tr>
<th> Sep-07</th>
<th> Oct-07</th>
<th> Nov-07</th>
<th> Dec-07</th>
</tr>
<tr>
<td align="center">217</td>
<td align="center">301</td>
<td align="center">273</td>
<td align="center">219</td>
</tr>
<tr>
<th> Jan-08</th>
<th> Feb-08</th>
<th> March-08</th>
<th></th>
</tr>
<tr>
<td align="center">327</td>
<td align="center">291</td>
<td align="center">319</td>
<td align="right"></td>
</tr>
</tbody>
</table>
<p><strong><span style="color: #007fbb;">12 MONTH TOTAL: </span> 2,748<br />
<span style="color: #007fbb;">PER HOUSEHOLD: </span> 1.03%<br />
<span style="color: #007fbb;">MONTHLY CHANGE: </span> 9.62%<br />
<span style="color: #007fbb;">YEARLY CHANGE: </span> 200.94%<br />
</strong></p>
<hr /><strong><span style="color: #007fbb;">COUNTY: </span> SANTA BARBARA<br />
<span style="color: #007fbb;">HOUSEHOLDS: </span> 150,053<br />
<span style="color: #007fbb;">2006 TOTAL: </span> 735</strong></p>
<table title="foreclosure_market_statistics" border="1" cellspacing="0" cellpadding="0" width="360">
<tbody>
<tr>
<th> Jan-07</th>
<th> Feb-07</th>
<th> Mar-07</th>
<th> Apr-07</th>
</tr>
<tr>
<td align="center">105</td>
<td align="center">111</td>
<td align="center">140</td>
<td align="center">103</td>
</tr>
<tr>
<th> May-07</th>
<th> Jun-07</th>
<th> Jul-07</th>
<th> Aug-07</th>
</tr>
<tr>
<td align="center">150</td>
<td align="center">219</td>
<td align="center">212</td>
<td align="center">263</td>
</tr>
<tr>
<th> Sep-07</th>
<th> Oct-07</th>
<th> Nov-07</th>
<th> Dec-07</th>
</tr>
<tr>
<td align="center">284</td>
<td align="center">318</td>
<td align="center">243</td>
<td align="center">306</td>
</tr>
<tr>
<th> Jan-08</th>
<th> Feb-08</th>
<th> March-08</th>
<th></th>
</tr>
<tr>
<td align="center">536</td>
<td align="center">374</td>
<td align="center">418</td>
<td align="right"></td>
</tr>
</tbody>
</table>
<p><strong><span style="color: #007fbb;">12 MONTH TOTAL: </span> 3,566<br />
<span style="color: #007fbb;">PER HOUSEHOLD: </span> 2.38%<br />
<span style="color: #007fbb;">MONTHLY CHANGE: </span> 11.76%<br />
<span style="color: #007fbb;">YEARLY CHANGE: </span> 198.57%<br />
</strong></p>
<hr /><strong><span style="color: #007fbb;">COUNTY: </span> SANTA CLARA<br />
<span style="color: #007fbb;">HOUSEHOLDS: </span> 605,121<br />
<span style="color: #007fbb;">2006 TOTAL: </span> 2,568</strong></p>
<table title="foreclosure_market_statistics" border="1" cellspacing="0" cellpadding="0" width="360">
<tbody>
<tr>
<th> Jan-07</th>
<th> Feb-07</th>
<th> Mar-07</th>
<th> Apr-07</th>
</tr>
<tr>
<td align="center">277</td>
<td align="center">261</td>
<td align="center">370</td>
<td align="center">322</td>
</tr>
<tr>
<th> May-07</th>
<th> Jun-07</th>
<th> Jul-07</th>
<th> Aug-07</th>
</tr>
<tr>
<td align="center">369</td>
<td align="center">472</td>
<td align="center">465</td>
<td align="center">524</td>
</tr>
<tr>
<th> Sep-07</th>
<th> Oct-07</th>
<th> Nov-07</th>
<th> Dec-07</th>
</tr>
<tr>
<td align="center">514</td>
<td align="center">996</td>
<td align="center">877</td>
<td align="center">702</td>
</tr>
<tr>
<th> Jan-08</th>
<th> Feb-08</th>
<th> March-08</th>
<th></th>
</tr>
<tr>
<td align="center">1,155</td>
<td align="center">1,140</td>
<td align="center">1,389</td>
<td align="right"></td>
</tr>
</tbody>
</table>
<p><strong><span style="color: #007fbb;">12 MONTH TOTAL: </span> 9,295<br />
<span style="color: #007fbb;">PER HOUSEHOLD: </span> 1.54%<br />
<span style="color: #007fbb;">MONTHLY CHANGE: </span> 21.84%<br />
<span style="color: #007fbb;">YEARLY CHANGE: </span> 275.41%<br />
</strong></p>
<hr /><strong><span style="color: #007fbb;">COUNTY: </span> SOLANO<br />
<span style="color: #007fbb;">HOUSEHOLDS: </span> 146,724<br />
<span style="color: #007fbb;">2006 TOTAL: </span> 1,779</strong></p>
<table title="foreclosure_market_statistics" border="1" cellspacing="0" cellpadding="0" width="360">
<tbody>
<tr>
<th> Jan-07</th>
<th> Feb-07</th>
<th> Mar-07</th>
<th> Apr-07</th>
</tr>
<tr>
<td align="center">224</td>
<td align="center">257</td>
<td align="center">332</td>
<td align="center">302</td>
</tr>
<tr>
<th> May-07</th>
<th> Jun-07</th>
<th> Jul-07</th>
<th> Aug-07</th>
</tr>
<tr>
<td align="center">322</td>
<td align="center">480</td>
<td align="center">587</td>
<td align="center">677</td>
</tr>
<tr>
<th> Sep-07</th>
<th> Oct-07</th>
<th> Nov-07</th>
<th> Dec-07</th>
</tr>
<tr>
<td align="center">505</td>
<td align="center">994</td>
<td align="center">550</td>
<td align="center">703</td>
</tr>
<tr>
<th> Jan-08</th>
<th> Feb-08</th>
<th> March-08</th>
<th></th>
</tr>
<tr>
<td align="center">850</td>
<td align="center">914</td>
<td align="center">1,033</td>
<td align="right"></td>
</tr>
</tbody>
</table>
<p><strong><span style="color: #007fbb;">12 MONTH TOTAL: </span> 8,249<br />
<span style="color: #007fbb;">PER HOUSEHOLD: </span> 5.62%<br />
<span style="color: #007fbb;">MONTHLY CHANGE: </span> 13.02%<br />
<span style="color: #007fbb;">YEARLY CHANGE: </span> 211.14%<br />
</strong></p>
<hr /><strong><span style="color: #007fbb;">COUNTY: </span> SONOMA<br />
<span style="color: #007fbb;">HOUSEHOLDS: </span> 193,353<br />
<span style="color: #007fbb;">2006 TOTAL: </span> 988</strong></p>
<table title="foreclosure_market_statistics" border="1" cellspacing="0" cellpadding="0" width="360">
<tbody>
<tr>
<th> Jan-07</th>
<th> Feb-07</th>
<th> Mar-07</th>
<th> Apr-07</th>
</tr>
<tr>
<td align="center">117</td>
<td align="center">129</td>
<td align="center">155</td>
<td align="center">138</td>
</tr>
<tr>
<th> May-07</th>
<th> Jun-07</th>
<th> Jul-07</th>
<th> Aug-07</th>
</tr>
<tr>
<td align="center">138</td>
<td align="center">263</td>
<td align="center">71</td>
<td align="center">132</td>
</tr>
<tr>
<th> Sep-07</th>
<th> Oct-07</th>
<th> Nov-07</th>
<th> Dec-07</th>
</tr>
<tr>
<td align="center">77</td>
<td align="center">230</td>
<td align="center">264</td>
<td align="center">227</td>
</tr>
<tr>
<th> Jan-08</th>
<th> Feb-08</th>
<th> March-08</th>
<th></th>
</tr>
<tr>
<td align="center">703</td>
<td align="center">272</td>
<td align="center">190</td>
<td align="right"></td>
</tr>
</tbody>
</table>
<p><strong><span style="color: #007fbb;">12 MONTH TOTAL: </span> 2,860<br />
<span style="color: #007fbb;">PER HOUSEHOLD: </span> 1.48%<br />
<span style="color: #007fbb;">MONTHLY CHANGE: </span> -30.15%<br />
<span style="color: #007fbb;">YEARLY CHANGE: </span> 22.58%<br />
</strong></p>
<hr /><strong><span style="color: #007fbb;">COUNTY: </span> STANISLAUS<br />
<span style="color: #007fbb;">HOUSEHOLDS: </span> 167,079<br />
<span style="color: #007fbb;">2006 TOTAL: </span> 2,203</strong></p>
<table title="foreclosure_market_statistics" border="1" cellspacing="0" cellpadding="0" width="360">
<tbody>
<tr>
<th> Jan-07</th>
<th> Feb-07</th>
<th> Mar-07</th>
<th> Apr-07</th>
</tr>
<tr>
<td align="center">338</td>
<td align="center">361</td>
<td align="center">448</td>
<td align="center">382</td>
</tr>
<tr>
<th> May-07</th>
<th> Jun-07</th>
<th> Jul-07</th>
<th> Aug-07</th>
</tr>
<tr>
<td align="center">462</td>
<td align="center">440</td>
<td align="center">458</td>
<td align="center">607</td>
</tr>
<tr>
<th> Sep-07</th>
<th> Oct-07</th>
<th> Nov-07</th>
<th> Dec-07</th>
</tr>
<tr>
<td align="center">644</td>
<td align="center">1,330</td>
<td align="center">964</td>
<td align="center">477</td>
</tr>
<tr>
<th> Jan-08</th>
<th> Feb-08</th>
<th> March-08</th>
<th></th>
</tr>
<tr>
<td align="center">891</td>
<td align="center">1,137</td>
<td align="center">1,146</td>
<td align="right"></td>
</tr>
</tbody>
</table>
<p><strong><span style="color: #007fbb;">12 MONTH TOTAL: </span> 9,386<br />
<span style="color: #007fbb;">PER HOUSEHOLD: </span> 5.62%<br />
<span style="color: #007fbb;">MONTHLY CHANGE: </span> .79%<br />
<span style="color: #007fbb;">YEARLY CHANGE: </span> 155.80%<br />
</strong></p>
<hr /><strong><span style="color: #007fbb;">COUNTY: </span> TULARE<br />
<span style="color: #007fbb;">HOUSEHOLDS: </span> 129,128<br />
<span style="color: #007fbb;">2006 TOTAL: </span> 1,169</strong></p>
<table title="foreclosure_market_statistics" border="1" cellspacing="0" cellpadding="0" width="360">
<tbody>
<tr>
<th> Jan-07</th>
<th> Feb-07</th>
<th> Mar-07</th>
<th> Apr-07</th>
</tr>
<tr>
<td align="center">173</td>
<td align="center">143</td>
<td align="center">141</td>
<td align="center">122</td>
</tr>
<tr>
<th> May-07</th>
<th> Jun-07</th>
<th> Jul-07</th>
<th> Aug-07</th>
</tr>
<tr>
<td align="center">151</td>
<td align="center">257</td>
<td align="center">252</td>
<td align="center">249</td>
</tr>
<tr>
<th> Sep-07</th>
<th> Oct-07</th>
<th> Nov-07</th>
<th> Dec-07</th>
</tr>
<tr>
<td align="center">226</td>
<td align="center">319</td>
<td align="center">321</td>
<td align="center">300</td>
</tr>
<tr>
<th> Jan-08</th>
<th> Feb-08</th>
<th> March-08</th>
<th></th>
</tr>
<tr>
<td align="center">570</td>
<td align="center">450</td>
<td align="center">416</td>
<td align="right"></td>
</tr>
</tbody>
</table>
<p><strong><span style="color: #007fbb;">12 MONTH TOTAL: </span> 3,774<br />
<span style="color: #007fbb;">PER HOUSEHOLD: </span> 2.92%<br />
<span style="color: #007fbb;">MONTHLY CHANGE: </span> -7.56%<br />
<span style="color: #007fbb;">YEARLY CHANGE: </span> 195.04%<br />
</strong></p>
<hr /><strong><span style="color: #007fbb;">COUNTY: </span> VENTURA<br />
<span style="color: #007fbb;">HOUSEHOLDS: </span> 266,554<br />
<span style="color: #007fbb;">2006 TOTAL: </span> 2,094</strong></p>
<table title="foreclosure_market_statistics" border="1" cellspacing="0" cellpadding="0" width="360">
<tbody>
<tr>
<th> Jan-07</th>
<th> Feb-07</th>
<th> Mar-07</th>
<th> Apr-07</th>
</tr>
<tr>
<td align="center">390</td>
<td align="center">418</td>
<td align="center">485</td>
<td align="center">384</td>
</tr>
<tr>
<th> May-07</th>
<th> Jun-07</th>
<th> Jul-07</th>
<th> Aug-07</th>
</tr>
<tr>
<td align="center">417</td>
<td align="center">484</td>
<td align="center">430</td>
<td align="center">406</td>
</tr>
<tr>
<th> Sep-07</th>
<th> Oct-07</th>
<th> Nov-07</th>
<th> Dec-07</th>
</tr>
<tr>
<td align="center">673</td>
<td align="center">729</td>
<td align="center">489</td>
<td align="center">543</td>
</tr>
<tr>
<th> Jan-08</th>
<th> Feb-08</th>
<th> March-08</th>
<th></th>
</tr>
<tr>
<td align="center">999</td>
<td align="center">880</td>
<td align="center">973</td>
<td align="right"></td>
</tr>
</tbody>
</table>
<p><strong><span style="color: #007fbb;">12 MONTH TOTAL: </span> 7,892<br />
<span style="color: #007fbb;">PER HOUSEHOLD: </span> 2.96%<br />
<span style="color: #007fbb;">MONTHLY CHANGE: </span> 10.57%<br />
<span style="color: #007fbb;">YEARLY CHANGE: </span> 100.62%</strong></p>
<p><strong>_____________________________________________________________________________________________________________</strong></p>
<p><span><a href="http://www.defaultresearch.com/shoppingcart"><span style="color: #ff0000;">Los Angeles County</span> </a> </span></p>
<table id="table2" style="width: 260pt; border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="344">
<colgroup>
<col style="width: 32pt;" width="42"></col>
<col style="width: 59pt;" width="78"></col>
<col style="width: 48pt;" width="64"></col>
<col style="width: 62pt;" width="82"></col>
<col style="width: 59pt;" width="78"></col>
</colgroup>
<tbody>
<tr style="height: 12.75pt;" height="17">
<td style="border: 0.5pt solid windowtext; padding: 0px; font-weight: 700; font-size: 10pt; vertical-align: bottom; width: 91pt; color: windowtext; font-style: normal; font-family: Arial,sans-serif; white-space: nowrap; height: 12.75pt; text-align: center; text-decoration: none;" colspan="2" width="120" height="17">Top Ten Zip Codes</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; width: 48pt; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" width="64"></td>
<td style="border: 0.5pt solid windowtext; padding: 0px; font-weight: 700; font-size: 10pt; vertical-align: bottom; width: 121pt; color: windowtext; font-style: normal; font-family: Arial,sans-serif; white-space: nowrap; text-align: center; text-decoration: none;" colspan="2" width="160">Top Ten Cities</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: solid; border-color: windowtext black windowtext windowtext; border-width: 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: italic; font-family: Arial,sans-serif; white-space: nowrap; height: 12.75pt; text-align: center; text-decoration: none;" colspan="2" height="17">Los Angeles County</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: solid; border-color: windowtext black windowtext windowtext; border-width: 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: italic; font-family: Arial,sans-serif; white-space: nowrap; text-align: center; text-decoration: none;" colspan="2">Los Angeles County</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-align: center; text-decoration: none;" height="17">Zip</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-align: center; text-decoration: none;">Notices  filed</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">City</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Notices  filed</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: solid none none solid; border-color: black -moz-use-text-color -moz-use-text-color windowtext; border-width: 0.5pt medium medium 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">93550</td>
<td style="border-style: solid solid none; border-color: black windowtext -moz-use-text-color black; border-width: 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">202</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: solid none none solid; border-color: black -moz-use-text-color -moz-use-text-color windowtext; border-width: 0.5pt medium medium 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Los  Angeles</td>
<td style="border-style: solid solid none; border-color: black windowtext -moz-use-text-color black; border-width: 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">1175</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none none none solid; border-color: -moz-use-text-color -moz-use-text-color -moz-use-text-color windowtext; border-width: medium medium medium 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">93535</td>
<td style="border-style: none solid; border-color: -moz-use-text-color windowtext -moz-use-text-color black; border-width: medium 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">193</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none none none solid; border-color: -moz-use-text-color -moz-use-text-color -moz-use-text-color windowtext; border-width: medium medium medium 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Palmdale</td>
<td style="border-style: none solid; border-color: -moz-use-text-color windowtext -moz-use-text-color black; border-width: medium 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">464</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none none none solid; border-color: -moz-use-text-color -moz-use-text-color -moz-use-text-color windowtext; border-width: medium medium medium 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">93536</td>
<td style="border-style: none solid; border-color: -moz-use-text-color windowtext -moz-use-text-color black; border-width: medium 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">136</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none none none solid; border-color: -moz-use-text-color -moz-use-text-color -moz-use-text-color windowtext; border-width: medium medium medium 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Lancaster</td>
<td style="border-style: none solid; border-color: -moz-use-text-color windowtext -moz-use-text-color black; border-width: medium 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">426</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none none none solid; border-color: -moz-use-text-color -moz-use-text-color -moz-use-text-color windowtext; border-width: medium medium medium 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">93551</td>
<td style="border-style: none solid; border-color: -moz-use-text-color windowtext -moz-use-text-color black; border-width: medium 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">130</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none none none solid; border-color: -moz-use-text-color -moz-use-text-color -moz-use-text-color windowtext; border-width: medium medium medium 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Long  Beach</td>
<td style="border-style: none solid; border-color: -moz-use-text-color windowtext -moz-use-text-color black; border-width: medium 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">269</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none none none solid; border-color: -moz-use-text-color -moz-use-text-color -moz-use-text-color windowtext; border-width: medium medium medium 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">91342</td>
<td style="border-style: none solid; border-color: -moz-use-text-color windowtext -moz-use-text-color black; border-width: medium 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">125</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none none none solid; border-color: -moz-use-text-color -moz-use-text-color -moz-use-text-color windowtext; border-width: medium medium medium 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Santa  Clarita</td>
<td style="border-style: none solid; border-color: -moz-use-text-color windowtext -moz-use-text-color black; border-width: medium 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">149</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none none none solid; border-color: -moz-use-text-color -moz-use-text-color -moz-use-text-color windowtext; border-width: medium medium medium 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">93552</td>
<td style="border-style: none solid; border-color: -moz-use-text-color windowtext -moz-use-text-color black; border-width: medium 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">109</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none none none solid; border-color: -moz-use-text-color -moz-use-text-color -moz-use-text-color windowtext; border-width: medium medium medium 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Pomona</td>
<td style="border-style: none solid; border-color: -moz-use-text-color windowtext -moz-use-text-color black; border-width: medium 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">142</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none none none solid; border-color: -moz-use-text-color -moz-use-text-color -moz-use-text-color windowtext; border-width: medium medium medium 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">93534</td>
<td style="border-style: none solid; border-color: -moz-use-text-color windowtext -moz-use-text-color black; border-width: medium 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">97</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none none none solid; border-color: -moz-use-text-color -moz-use-text-color -moz-use-text-color windowtext; border-width: medium medium medium 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Compton</td>
<td style="border-style: none solid; border-color: -moz-use-text-color windowtext -moz-use-text-color black; border-width: medium 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">128</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none none none solid; border-color: -moz-use-text-color -moz-use-text-color -moz-use-text-color windowtext; border-width: medium medium medium 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">90044</td>
<td style="border-style: none solid; border-color: -moz-use-text-color windowtext -moz-use-text-color black; border-width: medium 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">96</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none none none solid; border-color: -moz-use-text-color -moz-use-text-color -moz-use-text-color windowtext; border-width: medium medium medium 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Sylmar</td>
<td style="border-style: none solid; border-color: -moz-use-text-color windowtext -moz-use-text-color black; border-width: medium 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">115</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none none none solid; border-color: -moz-use-text-color -moz-use-text-color -moz-use-text-color windowtext; border-width: medium medium medium 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">91331</td>
<td style="border-style: none solid; border-color: -moz-use-text-color windowtext -moz-use-text-color black; border-width: medium 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">94</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none none none solid; border-color: -moz-use-text-color -moz-use-text-color -moz-use-text-color windowtext; border-width: medium medium medium 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Whittier</td>
<td style="border-style: none solid; border-color: -moz-use-text-color windowtext -moz-use-text-color black; border-width: medium 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">106</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none none solid solid; border-color: -moz-use-text-color -moz-use-text-color windowtext windowtext; border-width: medium medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">91335</td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext black; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">75</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none none solid solid; border-color: -moz-use-text-color -moz-use-text-color windowtext windowtext; border-width: medium medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Downey</td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext black; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">83</td>
</tr>
</tbody>
</table>
<p><a href="http://www.defaultresearch.com/shoppingcart"><span style="color: #ff0000;"><br />
</span> </a></p>
<p><span><a href="http://www.defaultresearch.com/shoppingcart"><span style="color: #ff0000;">Orange County </span> </a> </span></p>
<table id="table3" style="width: 281pt; border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="373">
<colgroup>
<col style="width: 32pt;" width="42"></col>
<col style="width: 59pt;" width="78"></col>
<col style="width: 48pt;" width="64"></col>
<col style="width: 83pt;" width="111"></col>
<col style="width: 59pt;" width="78"></col>
</colgroup>
<tbody>
<tr style="height: 12.75pt;" height="17">
<td style="border: 0.5pt solid windowtext; padding: 0px; font-weight: 700; font-size: 10pt; vertical-align: bottom; width: 91pt; color: windowtext; font-style: normal; font-family: Arial,sans-serif; white-space: nowrap; height: 12.75pt; text-align: center; text-decoration: none;" colspan="2" width="120" height="17">Top Ten Zip Codes</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; width: 48pt; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" width="64"></td>
<td style="border: 0.5pt solid windowtext; padding: 0px; font-weight: 700; font-size: 10pt; vertical-align: bottom; width: 142pt; color: windowtext; font-style: normal; font-family: Arial,sans-serif; white-space: nowrap; text-align: center; text-decoration: none;" colspan="2" width="189">Top Ten Cities</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: solid; border-color: windowtext black windowtext windowtext; border-width: 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: italic; font-family: Arial,sans-serif; white-space: nowrap; height: 12.75pt; text-align: center; text-decoration: none;" colspan="2" height="17">Orange County</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: solid; border-color: windowtext black windowtext windowtext; border-width: 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: italic; font-family: Arial,sans-serif; white-space: nowrap; text-align: center; text-decoration: none;" colspan="2">Orange County</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid; border-color: -moz-use-text-color windowtext; border-width: medium 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-align: center; text-decoration: none;" height="17">Zip</td>
<td style="border-style: none solid none none; border-color: -moz-use-text-color windowtext -moz-use-text-color -moz-use-text-color; border-width: medium 0.5pt medium medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-align: center; text-decoration: none;">Notices  filed</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">City</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Notices  filed</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border: 0.5pt solid black; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">92704</td>
<td style="border-style: solid solid solid none; border-color: black black black -moz-use-text-color; border-width: 0.5pt 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">77</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Santa  Ana</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">274</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid solid; border-color: -moz-use-text-color black black; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">92804</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color black black -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">69</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Anaheim</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">229</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid solid; border-color: -moz-use-text-color black black; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">92630</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color black black -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">66</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Orange</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">93</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid solid; border-color: -moz-use-text-color black black; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">92707</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color black black -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">59</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Garden  Grove</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">92</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid solid; border-color: -moz-use-text-color black black; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">92703</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color black black -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">57</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Huntington  Beach</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">80</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid solid; border-color: -moz-use-text-color black black; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">90631</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color black black -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">49</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Fullerton</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">79</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid solid; border-color: -moz-use-text-color black black; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">92656</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color black black -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">49</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Mission  Viejo</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">79</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid solid; border-color: -moz-use-text-color black black; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">92683</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color black black -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">49</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Lake  Forest</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">63</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid solid; border-color: -moz-use-text-color black black; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">92691</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color black black -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">48</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Irvine</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">61</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid solid; border-color: -moz-use-text-color black black; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">92688</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color black black -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">41</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">La  Habra</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">50</td>
</tr>
</tbody>
</table>
<p><span><a href="http://www.defaultresearch.com/shoppingcart"><span style="color: #ff0000;">San  Diego County</span> </a> </span></p>
<table id="table4" style="width: 279pt; border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="370">
<colgroup>
<col style="width: 32pt;" width="42"></col>
<col style="width: 59pt;" width="78"></col>
<col style="width: 48pt;" width="64"></col>
<col style="width: 81pt;" width="108"></col>
<col style="width: 59pt;" width="78"></col>
</colgroup>
<tbody>
<tr style="height: 12.75pt;" height="17">
<td style="border: 0.5pt solid windowtext; padding: 0px; font-weight: 700; font-size: 10pt; vertical-align: bottom; width: 91pt; color: windowtext; font-style: normal; font-family: Arial,sans-serif; white-space: nowrap; height: 12.75pt; text-align: center; text-decoration: none;" colspan="2" width="120" height="17">Top Ten Zip Codes</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; width: 48pt; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" width="64"></td>
<td style="border: 0.5pt solid windowtext; padding: 0px; font-weight: 700; font-size: 10pt; vertical-align: bottom; width: 140pt; color: windowtext; font-style: normal; font-family: Arial,sans-serif; white-space: nowrap; text-align: center; text-decoration: none;" colspan="2" width="186">Top Ten Cities</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: solid; border-color: windowtext black windowtext windowtext; border-width: 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: italic; font-family: Arial,sans-serif; white-space: nowrap; height: 12.75pt; text-align: center; text-decoration: none;" colspan="2" height="17">San Diego County</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: solid; border-color: windowtext black windowtext windowtext; border-width: 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: italic; font-family: Arial,sans-serif; white-space: nowrap; text-align: center; text-decoration: none;" colspan="2">San Diego County</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid; border-color: -moz-use-text-color windowtext; border-width: medium 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-align: center; text-decoration: none;" height="17">Zip</td>
<td style="border-style: none solid none none; border-color: -moz-use-text-color windowtext -moz-use-text-color -moz-use-text-color; border-width: medium 0.5pt medium medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-align: center; text-decoration: none;">Notices  filed</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">City</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Notices  filed</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border: 0.5pt solid black; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">92057</td>
<td style="border-style: solid solid solid none; border-color: black black black -moz-use-text-color; border-width: 0.5pt 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">96</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">San  Diego</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">740</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid solid; border-color: -moz-use-text-color black black; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">92154</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color black black -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">87</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Chula  Vista</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">306</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid solid; border-color: -moz-use-text-color black black; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">91913</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color black black -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">81</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Oceanside</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">175</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid solid; border-color: -moz-use-text-color black black; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">91910</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color black black -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">80</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Escondido</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">139</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid solid; border-color: -moz-use-text-color black black; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">91977</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color black black -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">74</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">El  Cajon</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">116</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid solid; border-color: -moz-use-text-color black black; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">92114</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color black black -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">71</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Spring  Valley</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">82</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid solid; border-color: -moz-use-text-color black black; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">91911</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color black black -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">68</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">San  Marcos</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">78</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid solid; border-color: -moz-use-text-color black black; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">92027</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color black black -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">56</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Vista</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">78</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid solid; border-color: -moz-use-text-color black black; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">92126</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color black black -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">51</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Carlsbad</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">45</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid solid; border-color: -moz-use-text-color black black; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">91915</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color black black -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">49</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Fallbrook</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">37</td>
</tr>
</tbody>
</table>
<p><span><span><a href="http://www.defaultresearch.com/shoppingcart"><span style="color: #ff0000;">Riverside County</span> </a> </span> </span></p>
<table id="table5" style="width: 279pt; border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="370">
<colgroup>
<col style="width: 32pt;" width="42"></col>
<col style="width: 59pt;" width="78"></col>
<col style="width: 48pt;" width="64"></col>
<col style="width: 81pt;" width="108"></col>
<col style="width: 59pt;" width="78"></col>
</colgroup>
<tbody>
<tr style="height: 12.75pt;" height="17">
<td style="border: 0.5pt solid windowtext; padding: 0px; font-weight: 700; font-size: 10pt; vertical-align: bottom; width: 91pt; color: windowtext; font-style: normal; font-family: Arial,sans-serif; white-space: nowrap; height: 12.75pt; text-align: center; text-decoration: none;" colspan="2" width="120" height="17">Top Ten Zip Codes</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; width: 48pt; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" width="64"></td>
<td style="border: 0.5pt solid windowtext; padding: 0px; font-weight: 700; font-size: 10pt; vertical-align: bottom; width: 140pt; color: windowtext; font-style: normal; font-family: Arial,sans-serif; white-space: nowrap; text-align: center; text-decoration: none;" colspan="2" width="186">Top Ten Cities</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: solid; border-color: windowtext black windowtext windowtext; border-width: 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: italic; font-family: Arial,sans-serif; white-space: nowrap; height: 12.75pt; text-align: center; text-decoration: none;" colspan="2" height="17">Riverside County</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: solid; border-color: windowtext black windowtext windowtext; border-width: 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: italic; font-family: Arial,sans-serif; white-space: nowrap; text-align: center; text-decoration: none;" colspan="2">Riverside County</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid; border-color: -moz-use-text-color windowtext; border-width: medium 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-align: center; text-decoration: none;" height="17">Zip</td>
<td style="border-style: none solid none none; border-color: -moz-use-text-color windowtext -moz-use-text-color -moz-use-text-color; border-width: medium 0.5pt medium medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-align: center; text-decoration: none;">Notices  filed</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">City</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Notices  filed</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border: 0.5pt solid black; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">92563</td>
<td style="border-style: solid solid solid none; border-color: black black black -moz-use-text-color; border-width: 0.5pt 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">224</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Riverside</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">649</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid solid; border-color: -moz-use-text-color black black; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">92592</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color black black -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">176</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Moreno  Valley</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">560</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid solid; border-color: -moz-use-text-color black black; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">92562</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color black black -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">175</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Corona</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">493</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid solid; border-color: -moz-use-text-color black black; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">92571</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color black black -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">174</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Murrieta</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">399</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid solid; border-color: -moz-use-text-color black black; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">92553</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color black black -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">161</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Temecula</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">257</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid solid; border-color: -moz-use-text-color black black; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">92503</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color black black -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">153</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Hemet</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">250</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid solid; border-color: -moz-use-text-color black black; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">92530</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color black black -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">151</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Perris</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">241</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid solid; border-color: -moz-use-text-color black black; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">92557</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color black black -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">141</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Lake  Elsinore</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">215</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid solid; border-color: -moz-use-text-color black black; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">92882</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color black black -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">138</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Indio</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">168</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid solid; border-color: -moz-use-text-color black black; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">92555</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color black black -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">137</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">San  Jacinto</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">14</td>
</tr>
</tbody>
</table>
<p><span><span><a href="http://www.defaultresearch.com/shoppingcart"><span style="color: #ff0000;">San Bernardino County</span> </a> </span> </span></p>
<table id="table6" style="width: 303pt; border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="403">
<colgroup>
<col style="width: 32pt;" width="42"></col>
<col style="width: 83pt;" width="111"></col>
<col style="width: 48pt;" width="64"></col>
<col style="width: 81pt;" width="108"></col>
<col style="width: 59pt;" width="78"></col>
</colgroup>
<tbody>
<tr style="height: 12.75pt;" height="17">
<td style="border: 0.5pt solid windowtext; padding: 0px; font-weight: 700; font-size: 10pt; vertical-align: bottom; width: 115pt; color: windowtext; font-style: normal; font-family: Arial,sans-serif; white-space: nowrap; height: 12.75pt; text-align: center; text-decoration: none;" colspan="2" width="153" height="17">Top Ten Zip Codes</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; width: 48pt; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" width="64"></td>
<td style="border: 0.5pt solid windowtext; padding: 0px; font-weight: 700; font-size: 10pt; vertical-align: bottom; width: 140pt; color: windowtext; font-style: normal; font-family: Arial,sans-serif; white-space: nowrap; text-align: center; text-decoration: none;" colspan="2" width="186">Top Ten Cities</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: solid; border-color: windowtext black windowtext windowtext; border-width: 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: italic; font-family: Arial,sans-serif; white-space: nowrap; height: 12.75pt; text-align: center; text-decoration: none;" colspan="2" height="17">San Bernardino County</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: solid; border-color: windowtext black windowtext windowtext; border-width: 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: italic; font-family: Arial,sans-serif; white-space: nowrap; text-align: center; text-decoration: none;" colspan="2">San Bernardino County</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid; border-color: -moz-use-text-color windowtext; border-width: medium 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-align: center; text-decoration: none;" height="17">Zip</td>
<td style="border-style: none solid none none; border-color: -moz-use-text-color windowtext -moz-use-text-color -moz-use-text-color; border-width: medium 0.5pt medium medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-align: center; text-decoration: none;">Notices  filed</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">City</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Notices  filed</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border: 0.5pt solid black; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">92336</td>
<td style="border-style: solid solid solid none; border-color: black black black -moz-use-text-color; border-width: 0.5pt 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">198</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Fontana</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">427</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid solid; border-color: -moz-use-text-color black black; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">92392</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color black black -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">162</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">San  Bernardino</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">388</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid solid; border-color: -moz-use-text-color black black; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">92345</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color black black -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">140</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Victorville</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">307</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid solid; border-color: -moz-use-text-color black black; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">92376</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color black black -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">126</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Rialto</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">176</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid solid; border-color: -moz-use-text-color black black; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">92335</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color black black -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">123</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Ontario</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">174</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid solid; border-color: -moz-use-text-color black black; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">92337</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color black black -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">106</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Hesperia</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">171</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid solid; border-color: -moz-use-text-color black black; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">92404</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color black black -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">105</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Apple  Valley</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">157</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid solid; border-color: -moz-use-text-color black black; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">92407</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color black black -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">94</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Rancho  Cucamonga</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">155</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid solid; border-color: -moz-use-text-color black black; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">92308</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color black black -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">87</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Adelanto</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">86</td>
</tr>
<tr style="height: 12.75pt;" height="17">
<td style="border-style: none solid solid; border-color: -moz-use-text-color black black; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; height: 12.75pt; text-decoration: none;" height="17" align="right">92301</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color black black -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">86</td>
<td style="border: medium none ; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;"></td>
<td style="border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; border-width: medium 0.5pt 0.5pt; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;">Colton</td>
<td style="border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-width: medium 0.5pt 0.5pt medium; padding: 0px; font-weight: 400; font-size: 10pt; vertical-align: bottom; color: windowtext; font-style: normal; font-family: Arial; white-space: nowrap; text-decoration: none;" align="right">70</td>
</tr>
</tbody>
</table>
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