I don't think home values will crash -- they will rust, not bust. Demographics have underpinned demand, courtesy of a wave of immigration in the past 16 years that reduced supply, and you don't see the speculative overhang that could contribute to a bust in home values.

Richard Berner

Courtesy Home Values Will

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Worries of a housing-led consumer spending bust are overblown.

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The fourth quarter is going to be very sluggish, indeed. We'll see some improvement in the first quarter, but it's a slow grind.

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The winner of the Prince and Princess of the Patch will each receive a $50 savings bond, courtesy of Bancroft State Bank.