Are we at the bottom yet? Actually that’s a good question, and the best economic minds are arguing about it as I type. It’s a good questions because it indirectly affects everything from the number of homes on the market & loan program availability, to even things as abstract as the amount of money you earn in your savings account. Some say that the increase in homes sold & the reductions in the loss percentages point to a recovery. Others argue that the real truth is hidden by ausillary factors. Well, who’s right?