I hope we're near a top. I have 44% in cash waiting. We sold the mansion a few years ago like I posted a while back. Bought an "older" house so the roof is original so 25 years. No leaks thus far but insurance companies don't like this after last years hurricane. I'm not even sure how many insurance companies are left in Florida. We dodged a bullet here in Sarasota but down south 50 miles or so got wrecked.