Here in Michigan..I work in debt management so i see all the people who are lossing there homes and have credit isssue and reops and try to help them save what they can. I do see a decline in mortgage forclosures compared to last year. However prices are still real high for gas and there are so many people loosing there jobs. Alot of stuff here was based on the auto industry and we havnt dug out from that. So i feel some things are getting better but other things are getting worse. All we can do is help when we can and hope for the best.