I was checking the mortgage rate yesterday and noticed that the rate has been going up, does that mean people started to purchase house again? I hope the market is getting better and all the bad news have hit bottom. As lots of people have mentioned the credit cards debts is going to hit big next after the subprime mortgage. We are still paying off all of our debts each month as we do not want to pay high interest and right now we still have the ability to do so. But since we are in the process of doing our 2007 tax return, we hope that we could come up the money for Eric’s Sep, our Roth and to pay off all the taxes.