Good morning, Giosh. Really big news for so many folks out there,we just got data from the 20 biggest cities in the country. And it's good news to tell you this morning. Home prices have posted the strongest gains since 2005, 7 years ago before the recession. Take a look at the numbers here. In the first 7 months of this year, prices in those cities have gone up nearly 6%. On top of that, maybe even the best news of all. Some of the biggest gains in value are coming at the low into the housing market. That means the less expensive homes heat,hardest by the downturn. But of course, we are not at the wood just yet a few miles left to go. Prices are still down 30% compared to the before the recession. But every improvement helps boost homeowners' confidence. And that makes them a lot more likely to start spending money again. Some reasons this morning to be encouraging.