Its Saturday am - the day that I deposit the weekly receipts and pay the bills - Last year paying bills was scary - business was bad and I was concerned.  This year appraisal orders have increased so much that I have already done more so far this year than all of last year and I've found that foreclosure/reo sales are almost non-existent in this boom of business.  My conclusion is that the central new york area (Oneida, Madison, Herkimer and Onondaga counties) have not felt the real estate downturn that other areas have suffered.  Of course we did not have the hugh increases in the last 10 years that those other areas experienced which is probably why we are not suffering now.  Interest rates are still under 5% and I hope they stay that way for a long time.  It seems to be working.