How long this condition will last no one knows, nor can anyone prophesy with certainty; but I look for tighter money by the latter part of this year. I am told by bankers that it is tending that way now; but, mortgage money is not affected so quickly as that for other investments, and I think we may look for a very easy market for mortgage loans during this year and possibly part of next year. When the general development begins, I mean all over the country, building operations in other cities as well as here, you will find rates for money will be higher.