This has been an incredible year. A challenging year for all. We have been waiting and watching the multifamily markets and determining next steps. One thing is clear in the midst of this recession: multifamily apartments have been an excellent place to deploy capital. Across all of our holdings, our average occupancy rate is above 93%. We have been able to work with tenants who have had financial distress and that has gone well both for them and the community. In short we are pleased with how things are moving forward. Phoenix, where we have two apartment projects, (Sun Crest and Ridgepoint) is seeing a level of demand that we have not seen before. With commercial lending rates at all time
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