If you're on a flood plain, obviously that's an issue. And in the mountains there can be fire concerns.

Theoretically, you know, we're all in a flood plain.

Of all the fire mountains which like beacons, once blazed along the Pacific Coast, Mount Rainier is the noblest.

Our survey doesn't explain why. It gets down to being as simple as women have a better understanding of housing as a long-term investment. Single guys are more interested in consumption. They don't get serious about real estate until they meet the right woman.

Seller concessions have not been common in the last five years. Sellers haven't had to offer them. But as we become more balanced, especially in areas of high inventory, that's where you'll see the use of concessions become a bit more common.

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