Cover Story................................
Provident Credit Union Steps Outside the Box in Real Estate Lending

Uptown................................
by Larrie Furst And Dan McGue

Downtown...................................
Next San Francisco Office Market Boom May Be Sooner Than You Think
by Jessica Brownell

East Bay.............................
Should I Liquidate My Assets In The East Bay?
by Michael Thomas And Martin Higgins

Peninsula.............................
A Six Month Reprive
by Tony Brettkelly

Marin/Sonoma.............................
Sonoma County Retail Report
by Bill McCubbin

Silicon Valley.............................
Real Philanthropy
by Mark Ritchie

Sacramento.............................
Office Vacancy Up During Q4
by Tracy Huntington

Finance.........................................
The Power of Interest Only
by David Levine