Happy New Year!  Hoping that you enjoyed the holidays and that you had an opportunity to rest and recharge. In my mid-year 2019 report, I talked about a growing trend of declining values that started in 2018 and continued into the first seven months of 2019.  Data at the time showed that the average sales price for single-family dwellings for the first seven months of 2019 came in 6% lower than the same period in 2018. At the time I felt that if this trend continued that there would......