A new report from the National Association of Realtors (the local association released their numbers two weeks ago) shows that while the median sale price of home sales rose 2.3 percent, the number of sales in the Twin Cities metro area during July fell 42 percent. That was the biggest decline of 20 metro areas included in the survey. Given the relative health of the local economy compared with the rest of the nation, that steep decline has some real estate experts confused about what's going on out there. Some experts say that it's a reflection of stronger-than-average-demand for the homebuyer tax credits that chewed up future demand, others say that Twin Citians are just more conservative. What's your theory? Or are you a cautious home buyer waiting for better news?