On any given day, people can find news and articles describing an impending bust of the housing bubble itself. Despite this gloomy prediction, many experts believe that the recent slowdown in housing will be a gradual adjustment to moderate rather than severe recession or decline. These experts believe that the factors leading to a sharp fall in the housing market are simply not present in the current economic climate. In fact, a recent study by the Joint Center for Housing Studies of Harvard University noted that “despite the cooling flow, the long-term housing is brilliant.” The rise and fall of the housing market is subject to the forces of supply and demand, and these factors point to a stable and positive growth in real estate.