Our cabin is worth less than half our primary residence yet we're paying a lot more. And our premium just went up 56 percent.

It's higher than we were expecting. We were expecting about a 4.6 percent rise.

We think for all of 2006, we will see a slowing of price growth in housing prices.

This was the first time we asked about second, third and even fourth homes.

We've not seen anything like this previously. There have been hurricane disruptions, like Andrew, which was a temporary thing and the market bounced back, followed by a return of a red-hot housing market with housing prices hitting new highs in 2004.

We think that sales might ease a little bit in November, but they should stay within a fairly narrow range through the first quarter.

It's not like all of the buyers fell off a cliff. There are still people in the market during this time, just fewer. Some people think it's a great time to buy or sell.

You need to understand cash flow. What's going to be your income and expenses on your property? You need good entrepreneurial skills. You need to have six months of reserves in case things don't work out the way you think it will.

We've never had a streak like this. We think we've come to an end for setting a record each year, but we're projecting this is a new plateau because of population growth and household formation.