Two of our key pieces of data in these quarterly reports have focused on inventory and interest rates. On the inventory front, while there are still many barriers to overcome, we’re encouraged by home builders pulling more permits for single-family homes in both October (110% increase from the same month a year prior) and November (47% increase from the same month a year prior). If we continue to see interest rates decrease, that should help housing production increase. It’s important to note that reduced rates will likely lead to increased buyer demand, so home prices will continue to rise until we can build more homes at a large volume here in Minnesota.