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.

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.

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

They will still go. Absolutely. Definitely. There's no question about it. They now have a little latitude to space the timing of the increases, but there's no question they will move.

We've shown improvement and I believe our schedule gets a little more favorable. If we keep everybody healthy, I believe we can (win 50). I think we're going to be a team that makes a real good push. Sometimes, people forget about what we can do.

There's work there that needs to be done and one thing we have to put in place is an improvement plan.