So far, 2023 has been an extremely unique year in real estate.  We had a huge uptick in mortgage interest rates, over double from the lows we saw in 2020 and 2021.  With mortgage rates going over 7% this year, many assumed that home prices would suffer.  But because of the extremely low home inventory on the market, there is still a lot of competition for homes and we have not seen large price adjustments that are common in a higher interest rate environments. Many home owners are simply not putting their home up for sale because they are locked into 3%+- interest rates and do not want to give that up for a rate in the 7% range.  Yes, homes are often taking longer to sell and we are generally not seeing multiple, way over asking price offers that we were experiencing since the pandemic.  And we are starting to see some price reductions, but generally speaking, it is still a sellers market, even with the higher interest rates we are seeing.  Because of the low inventory we have experience all year, our local real estate market sales volume is off about 28% YTD from the same period in 2022.