Apprentice - glad to see that you acknowledge the H5N1 threat and also pleased to see that you can string a sentence together. Only time will tell regarding housing prices. I just feel that we, as educated Australians, are pushing low and average income earners into buying a house in the belief that they will make money out of it. This is as irresponsible as putting them into grapevine plantations at the moment. A negative equity situation for a vast proportion of Australians will prove to have long term detimental effects, as it had in the mid 1920s.