I have been looking over data for Jax Beach FL and I find the Case-Shiller data even more optimistic than ever. Looking at houses here are the trendlines By 1990 virtually all land within the city limits had been developed. In 1972 the house I live in was bought by wife for 10K. In 1985 we were advised to list at 40K. In 2000-2 some of my wife's friends bought the same model house at 100-120K for a value based on distance from the ocean of 100K for our home. At peak based on Zillow numbers value was about 350K. Current value for comparables about 210K. I would expect at least another 57% drop to 90K before a bottom is reached. What are your estimates for future decline and why?