This is a quarterly journal provided to real estate licensees covering information related to various aspects of real estate buying and ownership in Texas. Articles in this issue cover retirement of Dr. Wayne Etter, economic effects of a real estate project, economy changes demands changes in real estate, Certificates of Convenience and Necessity (CNN's), past yield patterns, commute time influencing homebuyers, unionization and the bottom line, domestic migration, and foreclosure for dummies.

This is a quarterly journal provided to real estate licensees covering information related to various aspects of real estate buying and ownership in Texas. Articles in this issue covers the deregulation of electric utilities, wind power, rural property developers water supply options, FHA Loans, Texas' economy slowing, rural subdivisions in countrified atmosphere, novice home buyers, Texas Veterans Land Board uses, changing demographics in Texas, and ownership and uses of surface water.