The greatest rates of appreciation have been in the Rocky Mountain states, where job growth has been exceptional.

Generally, you don't see them talking about it in the same breath. It's always tough to manage growth in an area that's hot.

Atlanta is an extremely hot metropolitan area because job growth is good. The Washington, D.C., area is a very bad market because we have been cutting government workers.

We expect a gradual downward turn through the year as economic growth slows, but we're still looking for very strong numbers,