Is our region out of the housing cellar? Some experts are saying this may be temporary. After reading a recent article in the San Diego Union-Tribune that stated we are the 20th least affordable metro area now vs about 4 years ago when the National Builders Association ranked San Diego as the nation's least affordable metro area, I also find myself wondering, is this reality or is it what local experts are saying in that it may be only temporary due to the foreclosure and short sale activity we are experiencing. That being said, here we are now about 20th in the nation and based on the article's affordability stats, now roughly 31% of homes sold in San Diego are affordable to the households earning median income. This is in comparison to only 4% back in the latter part of 2005. So now what, do we buy now, is this where we are leveling off to, is there more room for decline? What does your crystal ball say?