realty. the settlement and the changes that are going to come, knowing that there's nothing official relative to commissions, what real changes will be affected? if everything else remained equal, do you think that just that perception that commissions have already dropped -- may be as much as the media is portraying more people think -- do you think that's going to have an actual effect on residential values? clelia: i think we are going to have to see and i think it will vary somewhat by market. i think this will probably impact luxury markets less. because i think people in luxury markets are more used to working with professionals in different parts of their financial life and people will continue to be committed to working with really strong buyers and sellers agents in luxury markets. in the middle market, the average american home, force generally around $300,000 right now -- worth generally around $300,000 right now, a seller or buyer in the market, 6% is often equivalent to their ent