Out of the 54 residential accounts I have, 7 of them are up for sale. I think these stupid interest only ARM's mortgages are starting to effect many home owners that have fell prey to them. I have also noticed that many of my customers are getting later and later. I currently have 1500.00 setting in my A/R that are past due which is about 1000.00 more that a year ago. Is it just me? I guess the good side to this is many local LCO's will go under and I will pick up some of those accounts . Not that I would want that to happen to anyone.