The interest rates have been inching up the last month and are currently near 6 3/8% on a 30 year fixed.  The industry is expecting for rates to creep up to 6 3/4% by the end of 2006.  Historically that is still an excellent rate but it will put a little cool on the market this year.  We’re expecting near-record homes sales again this year, but homes will take longer to sell than they have in past years.