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document.write("The real estate boom is widely expected to crest after 2005, yet prices should remain stable in most areas throughout the country. However, in a few major metropolitan areas, where prices have been driven by irrational exuberance and speculation, steep regional declines will also place many homeowners into financial crisis. Further leverage could spell disaster if extended on interest only ARMs. Far better, many homeowners are cashing out, and re-mortgaging newer, more modest homes with discretionary income above realized appreciation.")