mitch rachelle, thanks for being here. come back in again. the hottest housing markets going into the new year. which once fell to the bottom of the list. neil: hope you like stu, it is predicted to be buffalo, new york where the median home price is 248,455. the real estate website is a low says affordability is the most powerful driving real estate issue which would benefit market in the great lakes and midwest. buffalo comes in number one followed by cincinnati, columbus, ohio, indianapolis rounding out the top five with providence, rhode island. on the other end of the scale, the coolest housing markets where prices are expected to decline, predicted to be new orleans, san antonio, denver, houston, minneapolis. some of those are in the midwest, south, either way those markets are not considered hot this year. on the upside mortgage rates are starting to decline which by all accounts housing inventory is expected to grow, to follow up on what mitch was saying, really low inventory. not enough houses. stuart: thanks very much. very interest