We will see. I started off hot last year and had built up a pretty good cushion to stay ahead of my pace even if price moved up. I was good until about 30k and then started to fall behind. I am semi retired and did not work much this past year so that didn't help. I want to get more income on my books this year so I can shop for a better rate at mortgage renewal time. If I am working more this year, I can probably reach my stacking goal for the year unless price goes absolutely wild.