DAVID LEREAH, senior vice president and chief economist of the National Association of Realtors, serves as the association's spokesman on the economy and real estate markets. Dr. Lereah is one of the nation's most prominent housing economists. He has written numerous books and articles on finance, investments, and real estate; is frequently quoted in the "Wall Street Journal," the "New York Times," and "BusinessWeek";" "and appears frequently as a commentator on CNN and CNBC. He lives with his wife, Wendy, and three children in Fairfax Station, Virginia.