Contents

Cover Story

What’s in store for next year? This year, data shows we had slow but positive growth. Does that mean 2012 will be the same? Want to know what other top industry experts – association presidents and co-chairs, lenders, managing brokers, veteran developers and short sale specialists – predict for next year? Their answers might surprise you. Read more!

Also…

• What Can Builders and Developers Expect for 2012?

Editor’s Note

• 2012: A New Hope

Improving Your Business

• Could These Three Letters Make You Richer in 2012 and Beyond?

By The Numbers

• Which Offices Rank Highest in Year-Over-Year Volume?

Agent Snapshot

• Jen Ortman, Managing Broker, Prudential American Heritage, Barrington

My Style

• Allison Nichols, Realtor, Relocation Director, Weichert-Realtors, First Chicago, River North/Streeterville

Surveys

• What Do Agents Expect in 2012?