As the market has detiorated over the past two weeks to where it stands at 8451 as I write this, many questions dance in my head. These questions in no way represent sugar plums; more like sour grapes. I know that in 3 years when it is time for my wife and I to move again, we will want to buy our first home. Now I know I have excellent credit. I have the kind of credit that banks drool over.