LETTER FROM THE EDITOR
Spring is in the air
Spring is in the air and let’s hope the warm weather follows soon! Welcome to another edition of the Holmes Group Magazine!
In this edition we’ll go over market trends and expectations for 2025. Joe gives his two cents on the upcoming market for the year and puts some predictions on the table as well. We had a great conversation with a client recently about selling to a cash buyer group instead of listing. Take a look at our Q & A section for a reply to that conversation.
Of course, we’ll feature some amazing homes for you to enjoy and don’t miss our featured home in Woodbury! We also dive into a commercial building in Minneapolis which revamps the concept of an office and blurs the lines between work and play. Spoiler Alert - this building features a 9-hole indoor golf course!
And don’t forget - If you have any real estate needs for the upcoming year: buying, selling, investing, developing, flipping or simply looking – we’ve got ya covered!
Happy Spring Everyone!
Joe Heather
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Joe Holmes REALTOR Team Lead / Listing Specialist
651-491-2151
joeholmes@kw.com holmesgroup holmesgroupmn
Heather Pederson REALTOR Director of Operations / Buyer Specialist
612-964-2524
hlpederson@kw.com heatherpedersonrealtor heatherpederson
www.brightspacesphoto.com
651-253-6380
dan@brightspacesphotography.com
*All game times are listed as Central Daylight Time (CDT).
Spring Market 2025 is here!
Enjoy insights, info, stats and predictions for the upcoming year!
In this edition of Holmes on Homes we’ll dive into predictions for the upcoming year and look at economic trends that impact real estate pricing and process. Here we go!
Welcome to the spring real estate market of 2025!!
Looking outside, it looks like anything but spring. However, the real estate market is already
heating up and showing signs of life for the year. For context.. writing this article in late January and it’s zero degrees outside. I’m sure by the time you get this, we’ll
be seeing spring weather right around the corner! Ok.. let’s dive into it and get to some stats, info and predictions for the year!
DID WE HIT THE BOTTOM YET?
Not the bottom of pricing, in fact, just the opposite. Did we hit the bottom of our inventory woes? It seems, that just may be the case.
Graph 1 is specific to inventory of existing homes – not new construction as that’s a different concept. You’ll see the seasonality of inventory from the lows in winter to the highs in summer. You’ll see this trending very routinely lower and lower each year from 2011 until recently. Do you see it?? We put a big square around it!
The inventory of existing homes for sale (again, not new construction) is trending up for the first time in nearly 15 years! This is huge and certainly something for us to keep an eye on throughout the year. It’s important as this correlates to the balance in real estate.
Is it a seller’s or buyer’s market? Inventory vs. Demand creates that outcome and we can see a trend in more inventory. What are the outcomes, predications and possibilities that come from more inventory… oddly enough, more inventory! We’ve seen many homeowners that want to sell and
buy sit on the sidelines over the years as there just wasn’t enough inventory to satisfy some people.
That’s slowly changing and as more inventory comes out, those types of sellers may have more options and feel a bit more confident in the sell/buy scenario and dive in.
As for pricing, does this mean we hit a peak? Not necessarily. I know the concern here is that more inventory means less of a seller’s market and that can lead to lower appreciation or even a flat market but don’t forget the other side of that model –buyer demand. Buyer demand is still strong and we’re currently hovering at 45 days on market for the average in the 7-county metro. Ladies and gentlemen – that’s still a seller’s market!
My prediction – we’ll continue to see inventory grow at a slow pace and feel more like the market did in 2019 (pre-covid).
SELLER’S MARKET OR BUYER’S MARKET?
WHERE’S THE BALANCE AND WHERE IS THIS TRENDING?
First, let’s define a balanced market and this has changed from pre-covid era real estate to today. Prior to covid, a balanced real estate
market was defined as 6-months of inventory. If it took 6 months to sell your home, that was defined as no favor to the seller or buyer or in other words, balanced. Well, today that’s changed a bit.
The covid-era of real estate put the 7-county metro average at 17 days on market. That is crazy to think about and changed our perspective of “balanced”. Could you imagine today taking 6 months to sell your home?! That would feel like an eternity!
Today, we would define a balanced market at 4 months of inventory or maybe even a touch less. Currently we’re at 45 days on market for the 7-county metro average and that means it’s still a seller’s market.
Continued on page 14
Welcome Home! Stunning custom-built two-story home in the Summerlin Neighborhood of Woodbury. This home is absolutely amazing with a thoughtful design and tasteful finishes. Don’t miss this opportunity!!!
UPPER-LEVEL FEATURES:
Four Bedrooms / Three Bathrooms / Laundry / Private Living Room. The upper level exceeds expectations with an expansive primary suite with sitting area, adjoining primary bath with soaking tub, stand alone shower and of course large walk-in closet. One of the additional bedrooms features an en-suite bath while the other two are connected by a Jack-n-Jill bathroom. Don’t miss the convenience of the upper-floor laundry room and privacy of the additional family room space.
MAIN FLOOR FEATURES:
The entry is open and inviting and cascades into the open floor plan soaked in natural sunlight and amenities throughout. The main floor features a private office, large gourmet kitchen with granite tops, massive center island, large-capacity fridge, and custom lighting & fixtures. The kitchen blends seamlessly with the living room space to create an amazing main floor experience. Don’t miss the open lockers in the mudroom and the desk & command center around the corner from the garage entry. The main floor walks out to your deck and private rear views, generous landscaping and more!
LOWER LEVEL FEATURES:
The lower level was recently renovated to include your wet bar with wine fridge, granite tops and tons of storage. Don’t miss the custom finishes and gas fireplace, in-floor heat, fifth bedroom, full bath, exercise room and walks out to your paver patio & firepit.
To schedule your private tour - call us today at 651-491-2151.
FAST. SIMPLE.
MODELS OF THE PAST ARE CHANGING FAST.
Margin compression, interest rates, and realtor commissions under attack. Lender/Realtor relationship has never mattered more.
REALTOR & LENDER PARTNERSHIPS REDEFINED.
With industry ch anges already coming, we prepared and built a better model. It works, you need to know how!
SHARING A WIN-WIN SALES MODEL.
We are not all cut from the same cloth. With a few skills, and an adjustment in your beliefs. Character can make you the best agent in the market
LOOKING TO SELL?
Are you considering selling your home but dreading the long process and uncertainties of the traditional market? With MarketPass, you can skip the hassle and unlock the true value of your property quickly and easily.
Why Choose MarketPass?
• Instant Cash Offers: Receive a competitive cash offer for your home within 24-48 hours. No waiting, no worries.
• No Hidden Fees: What you see is what you get. Our transparent process ensures there are no surprises.
Ready to Sell?
• Quick closings: Move on your timeline. Close in as little as 10 days and get paid fast.
• Stress-Free Experience: Avoid the stress of showings, repairs, and negotiations. We handle everything so you can focus on your next chapter.
Email JoeHolmes@KW.com or call 651-491-2151 for your free, no-obligation cash offer today!
Get the Convenience and skip the hassle of listing your home. Keep Control over when to close or cancel anytime. Enjoy the Certainty of a competitive cash offer.
IT’S NOT ALL ABOUT
REAL ESTATE
Monster Cookies
The kids LOVE baking and there’s no better way to spend a frigid cold winter day baking something fun. In this edition of the Kid’s Corner, the guys decided to make a batch of Monster Cookies. The recipe below can be adjusted for any additions like butterscotch chips, nuts, etc. Use your imagination! OH – and you can use gluten free flour if you need to as well. Enjoy!!
Yields : 15-18 cookies (depending on how much dough you eat before baking!)
Ingredients
1/2 cup Unsalter Butter – softened
1/2 cup Brown Sugar – packed
1/2 cup Sugar
1/2 cup Peanut Butter
1 large Egg
2 tsp Vanilla Extract
3/4 cup Rolled Oats
1 cup Flour
1/2 tsp Baking Soda
1/4 tsp Salt
1/2 cup Chocolate Chips
1/2 cup Raisins
1/2 cup M&M’s
Whipped cream, chocolate chunks and curls, toasted marshmallows, and graham cracker pieces, for garnish
INSTRUCTIONS:
In a large mixing bowl, cream together the butter, brown sugar and sugar for 4 minutes or until light & fluffy. Add peanut butter, egg and vanilla and beat for 1 minute longer
Fold in the oats, flour, baking soda and salt. Stir just until combined. Fold in chocolate chips, raisins, M&M’s or any other goodies!
Cover the dough and chill for 30 minutes
Preheat the oven to 365 degrees. Scoop the dough onto a baking sheet spacing at least 2” apart. Bake for 10 minutes and check. If they’re not quite done, add a few minutes at a time until they’re done. Remove cookies from baking sheet and let cool on a wire rack.
HOLMES ON HOMES
Continued from page 7
However, that has allowed some breathing room for buyers. Multiple offers still happen from time to time but we’re not seeing the chaos of covid-era real estate like removing inspections or escalation clauses.
Typically, our “days on market” charts hit highs in the winter months and lows in the spring or summer. So, the trend is to see this go down in the months ahead (spring/ summer) but certainly interesting to see it where it is. A more balanced market is ahead of us but it will take quite some time yet to get truly balanced with 3-4 months of inventory.
My prediction is that we’ll see a truly balanced market in about 2-3 more years and this year we’ll trend between 30-60 days of inventory at any given time.
MONTHS SUPPLY OF INVENTORY – NEW HOMES VS. EXISTING HOMES
Well this is certainly in -
teresting to look at! We were way behind on new construction starts after the ’08 bust and that continued for nearly 10 years. New construction since then has been off the rails on activity and there’s certainly no shortage of options through the Twin Cities. The chart is geared towards national stats but this correlates to the Twin Cities as well. Of course, there are differences in areas of the cities so let’s dive into that a bit.
There’s no doubt plenty of new construction and the months supply of inventory is higher to that of existing homes. Certain areas of the Twin Cities have more imbalance than others. Take Lakeville for example.. Lakeville has some of the largest numbers of new construction inventories around the area. Additionally, cities like Maple Grove, Rogers, Woodbury, Chaska and Blaine all have large amounts of new construction. Those cities have a larger imbalance of new construction vs. existing construction. What does that mean for homeowners in that area? It means
3
and more valuable to the open market as there is simply less of it. Did anybody notice a trend on those cities with larger numbers of new construction? They are all on the fringe of the suburbs and have close access to major highways. Ladies and gentlemen, we’re watching urban sprawl in the making!
My prediction for the year – new construction starts slow down and pricing cools off a bit.
INTEREST RATES
: ARE WE REALLY AT 7% RIGHT NOW? WHERE ARE RATES GOING THIS YEAR?
So what’s going on with
but it didn’t trickle into lowering our mortgage rates. In fact, it seems as if they’ve gone up! Why is that? There isn’t a direct correlation between the two. For a more indepth analysis on what or how mortgage rates are calculated, it is best to get that answer from a mortgage expert as I’ll no doubt not explain it very well. See Thomas Jussila’s ad on page 10 and give that guy a call for a deeper dive but for now, let’s make some predictions.
It’s no secret the Fed as suggested lowering the Fed Funds Rate several times through the year and we expect they’ll do just that. This does
GRAPH
HOLMES ON HOMES
impact other economic factors that will eventually impact mortgage rates but it takes time and not a direct correlation. From what we’re reading and listening to, the mortgage experts are predicting 6% interest rates throughout the year. You can expect to see much of the same over the last year with highs like we’re seeing now around 7% and lows
around 6%. I personally don’t think we’ll see anything that starts with a “5” anytime soon. If we do, it’s a bonus and refi’s will fly! For all of those out there waiting to buy until you see 4% or 5%.. that train has left the station and not coming back. The cost of waiting is about 4%-8% appreciation annually on the home you want to buy, so altogether, not a good
strategy to wait. As we like to say, when we find the right home – buy it. Rates come and go. The right home may not come again!
My prediction – low end of rates will be at 6% and surprised if we get below that.
AVERAGE HOME PRICE FOR THE 7-COUNTY METRO IS $366,000. WHAT KIND OF APPRECIATION WILL WE SEE THIS YEAR AND WILL IT CONTINUE?
This is a loaded topic and need to look at historical data to get a concept of where we are currently and where we’re going. If you look at historical data back to the 50’s, you can track real estate appreciation for an average of 4% per year. That’s a hard number to refute as there’s 70+ years of data to back that up. Of course, there are big years of appreciation like 2020 and 2021 and really bad years where we go backwards, like 2008 and 2009. However, if you average them out, it’s 4% per year and can pretty much count on
that for a long-term analysis. But what about 2025? Where are we headed? We noted earlier that we’re trending up in inventory which would lead us to believe our pricing will cool off or flatten out. However, the other side of that is demand and our buyer demand is still strong and doesn’t seem to be going anywhere. This is in part thanks to our younger population. The average age of the firsttime home buyer went from 34 years old to 38 years old! Now think for a moment about the largest population in US history – millennials. Their average age is smack-dab in the middle of that and you can see why I think demand will stay strong for years to come. So we have inventory coming back and demand is stable. I feel our appreciation will be moderate to low and this trend continuing based on inventory.
My predication – the 7-county metro average for appreciate will be 4%-5% and my long term predication is that we’ll see an average home price OVER $400,000 in the Twin Cities by 2028.
GRAPH 5
REVAMPED NORTHSTAR CENTER IN DOWNTOWN MINNEAPOLIS PEEK INSIDE
The city’s office building features membershipbased workplace options, high-end culinary offerings, and event venues.
BY MADELINE CISNEROS
After years of renovation, the Northstar Center is now open in downtown Minneapolis. Located at 625 S. Marquette Avenue, the experiential workplace, built by Polaris Developments Group and Taconic Capital Advisors, was designed to accommodate the hybrid-work era.
“We developed this project during an era when it became exponentially more difficult to attract employees to want to work downtown,” says Matt Legge, the principal of Polaris Developments, in a statement. “Everything that we’ve done has been with the intention of offering an experience that can’t be found working from home and with the intention of removing all of the inflexibilities and other reasons why companies have been reticent to commit to office space.”
Originally opened in 1963, the Northstar Center was developed as a nearly full city block mixed-use complex that included the first portion of the city’s Skyway system. According to a press release, “the project faded into obscurity over the past several decades as a lack of capital investment into the project and a long-term occupancy by Wells Fargo for almost all of the building caused it to be largely forgotten.”
The fully renovated Northstar Center includes three floors of move-in ready “Skyboxes,” which are pre-furnished office suites with more than 100,000 square feet of work lounges and amenities. The Skyboxes, which are
accessed on a flexible membership model, includes a 10,000-square-foot outdoor terrace, a 9-hole indoor golf course, a two-story bar, a fitness center, and meeting and event venues.
Along with the Skyboxes, the office building also has approximately 300,000 square feet of contiguous leasable office space on its upper floors. According to the press release, “the project owners intend to secure a large anchor tenant.”
Another feature of the project includes Northstar 8, which is a public-facing facility that provides venues for meetings and events. Northstar 8 pays homage to the original Northstar Center, which featured high-end hospitality concepts marketed as Northstar 7.
When it comes to food, the Northstar Center has you covered. There are multiple public-facing restaurants on the ground floor, including the
Northstar Cafeteria, Krona Café, and Walkin’ Dog, as well as the Northstar General Store, a country-storethemed grocery concept.
Over the past several years, the Polaris and Taconic teams have redeveloped the city block. They have renovated and reflagged the hotel component into a 218-key Hotel Indigo and converted the former Northstar East tower into a 216-unit residential apartment project. The Northstar Center has retained the Northstar West tower and the Northstar Ramp.
“We’re very aware of how forgotten Northstar Center had become until our renovation,” Legge says in the statement. “It’s certainly one of those projects that needs to be seen to be believed. We believe that we’ve done something special with the transformation of this building and that it represents the future of the workplace.”
CURRENT LISTINGS
2622 159th Avenue NE, Ham Lake, MN 55304
475,000
Hames-McDonough Real Estate Group
Keller Williams Premier Realty
Nestled on a serene 1.4-acre lot overlooking picturesque wetlands and abundant wildlife, this beautifully maintained Tuscan-style home is thoughtfully designed for comfortable living and entertaining. From its distinctive Spanishstyle arches to its stylish updates, this property offers both charm and modern convenience. The updated kitchen features custom maple cabinetry with a carefully selected rich coffeecolored stain, granite countertops, and stainless steel appliances. The bright dining room opens to the upper and lower living areas and the maintenance-free deck, providing the perfect setting for indoor-outdoor living. The upper level boasts two bedrooms and a fully remodeled bathroom with custom finishes. The owner’s suite is spacious with a large walk-in-closet. Bathroom previously adjoined to the room and could easily be restored if desired. The large living room is bathed in natural light and showcases the home’s Tuscan-inspired arches, creating an open and inviting space. The lower level exudes coziness with a cozy gas fireplace framed by beautiful stone, a generously sized bedroom, updated ¾ bath, and sliding doors that lead to a paver patio and tranquil backyard. Lower level laundry room provides additional storage and convenient access to the garage. This home is impeccably cared for, featuring high-grade carpet, custom cabinetry, fresh paint, and an interior styled to perfection—reminiscent of a Room & Board catalog. With its clean, polished look and thoughtful design, this home is move-in ready. Experience the tranquility of this stunning property and enjoy the perfect balance of natural beauty and elegant living.
2692 Eagle Valley Drive Woodbury, MN 55129
799,900
At Home Real Estate Team
Keller Williams Premier Realty
Pristine 5 BR, 4 BA, 2 story that backs up to magnificent Eagle Valley Golf Course on the 18th tee box. Outstanding open floor plan, vaulted ceilings, many large windows and west facing lot that is spacious and bright. Heated pool, stamped patio, and gorgeous deck overlooking a magnificent view. There are too many upgrades to list!!! *HEATED GARAGE*
3260 Richmond Alcove
Woodbury, MN 55129
629,001
At Home Real Estate Team
Keller Williams Premier Realty
a thought-out
The main floor surpasses your expectations with pristine hardwoods, a vaulted foyer with great natural light, a bright crisp mudroom, amazing laundry, and a double office filled with built-ins. French doors, a large formal dining room, an eat-in kitchen built for entertaining with informal dining space and granite island which walks out to the large deck. The kitchen flows into the living room with another vaulted ceiling and fireplace with views of the fully fenced backyard. The rear staircase leads upstairs and is accessed in the kitchen area. The upper floor has the owner’s ensuite with a separate tub shower and walk-in closet, two additional bedrooms, a full bath, and extra deep and wide linen storage. The lower level walkout has an expansive finished space with a wet bar, an additional bedroom, and 3/4 bath. This home is AMAZING!
Located in highly desired Wedgewood Park, this is not our typical 2-story. This home is spacious and has
layout on all 3 levels.
4924 384th Trail
North Branch, MN 55056
339,000
Bonnie Carlson
Keller Williams Premier Realty
Welcome to 4924 384th Trail! This well-maintained end unit townhome offers true one-level living with a basement for your extra space needs. Main floor features an open concept between the living room, dining room, and kitchen, plus a den and fabulous sun room which overlooks the private back. Primary suite boasts a large walkin closet plus a private full bath. Lower level has a large family room hobby room and another bath, plus loads of storage. This unit offers onelevel, maintenance-free living at its best!
6179 Partridge Court
Lino Lakes, MN 55110
950,000
Hames-McDonough
Keller Williams Premier Realty
Nestled in a quiet cul-de-sac in West Oaks, this stunning home offers Bald Eagle Lake access with a dedicated boat slip, exclusive marina parking, and tennis/pickleball courts. Luxury meets community in this elegant twostory retreat with high-end finishes, spacious living areas, and panoramic views. The 2022 renovated kitchen features black granite, cherry cabinetry, and Bosch appliances. The expansive lot backs up to 60 acres of wetlands, enhancing privacy. Outdoor spaces include a deck, fire pit, and lush gardens. Located in Lino Lakes within White Bear Lake schools, this home blends tranquility with convenience. 2025 boat slip fee already paid!
149 W Emerald Lake
Lake City, MN 55041
$49,900
Holmes Group
Keller Williams Premier Realty
Discover the perfect opportunity to build in one of Minnesota’s most scenic communities—The Jewel in Lake City. Nestled in the breathtaking bluffs of the Mississippi River Valley, this lot offers stunning surroundings and a vibrant community. Enjoy breathtaking sunrises and sunsets, all while being just minutes from Lake Pepin and the charming river town of Lake City. The Jewel Golf Club, meticulously maintained and ranked among the Midwest’s best, is at your doorstep, offering an exceptional experience without a mandatory membership. Residents enjoy a welcoming atmosphere, abundant outdoor recreation, and access to the Bluffside Grill. Whether you're an avid golfer, nature lover, or someone seeking a peaceful retreat, this lot is your gateway to a remarkable lifestyle. Don't miss this chance to bring your vision to life—schedule a visit today!
&
Q A
Joe answers questions he received from clients. Feel free to submit your own question.
Email us: joeholmes@kw.com
I recently had a great conversation with a client about cash offers and a company we launched for this need. Here’s a breakdown of that conversation with answers modified to fit a larger audience:
What’s the scoop with MarketPass? Who are they and what do they do?
MarketPass is the cash buyer company that we helped launch in ’21. When our clients are interested in skipping the listing process and getting straight to a closing – this company is our go-to option for those offers. We launched this company as we saw the need for more options besides just a listing process. Although it works well for most, a full-service listing process isn’t for everyone. We didn’t want to rely on the national companies and most, if not all, of the local companies aren’t geared towards working with realtors.. just direct with the consumer. So when you need a company to do something better than the rest.. sometimes you’ve got to do it yourself!
So Joe is one of the founders of MarketPass? How many people are involved and operate that company?
There are 6 members, all of which are realtors. You could say that it was built by Realtors for Realtors. There aren’t many realtor-friendly cash buyer groups out there. Most of the local options here in the Twin Cities oddly enough don’t return our calls. Again, that’s how MarketPass began… essentially wanting to make sure we have a version of this concept to use and make sure it’s done well!
How does the process work?
It’s fairly simple actually. In order to make an offer on your home, we need to get an idea of interior & exterior condition. It could be as short as a 20–30 minute tour in which we take as many pictures and videos as possible. From there we need to customize the approach for you and add in conveniences of your choice, figure out what closing date you need and any other details to help.
What types of conveniences can be added?
Great question! And this is really the whole point of the cash offer concept.. to add conveniences to your life and sales process. The full-listing process isn’t for everyone. The cash offer route allows you to skip the cleaning, updates & renovations, skip the showings and the appraisal. You can leave behind anything you’d like including furniture, debris and just about anything in between. Except for your kids.. can’t leave your kids or pets behind. We’ll put them to work if you do! :) Other conveniences are things like choosing your closing date, changing your closing date, having holdover possession after closing for a few days. For extended stays after closing, we can do rent-backs as well. If there’s anything the seller is looking for, we can find a way to fit it in.. all you have to do is ask!
What about price? It sounds like this offer would be lower than market value. That is correct.. convenience comes with a price. The only downside of the cash offer concept is that your proceeds are lower than what you can expect if we list traditionally. Which makes sense if you think about it.. MarketPass is going to re-sell your home and in doing so, has expenses they incur, and they have to make some profit as well.
What
does MarketPass
do with the properties they buy?
Their model is to buy and re-sell homes, they don’t keep them for rentals. At times, the homes need a full renovation and there are some that are turnkey and need no work at all. Either direction, they simply resell the home.
Why would a seller go this direction?
Aren’t dollars the most important piece for the seller?
Oddly enough, no, proceeds aren’t always # 1 for a seller. We like to say the cash offer concept gives the seller convenience, control and certainty. And those things can go a long way for a seller depending on their situation. It’s a great option for all types of situations. If a seller doesn’t have the capacity to present the home very well.. or there’s challenges with the condition.. or they need an immediate sale due to a life circumstance.. or there’s an estate that’s selling from out of state.. or for that seller that has to sell in order to buy, this removes that contingency. I know it sounds odd, but the big motivator in selling isn’t always dollars.
How do we get a cash offer?
Great question! In order to get a cash offer, just give us a call. It’ll take about 30 minutes or less to take a look at your home and put pricing in place. Sometimes this can be done with a facetime call or some type of video call. They try and make this process as easy as possible as well. If the cash offer doesn’t work for the seller, we’re obviously available for your listing needs. We’d like to think we have any real estate solution for you.. just let us know what you need!
CROSSWORD SUDOKU
Down
1. Woody or Tim
2. Actor Roger
3. Recipe component
4. Plaines, Illinois
5. Took long steps
6. Attention-getting sound
7. Prying bar
8. Before, in poems
9. Director Brooks
10. Baseball's Rose
11. Diva's forte
12. Big cat
13. Mailed
19. Prayer word
21. Sparrow's abode
24. Give to charity
26. Annoyed
27. College woman
30. Picasso, e.g.
31. Fort , FL
Ditty
Pocket fluff 43. Swamp plant 44. One- (biased) 45. Food service 47. Thorny bloom 48. Bridge position
50. US rail service
53. Actress Keaton 57. Tortoise's opponent 59. Racket
60. Uncertain 63. Army camp
64. Go away!
65. Forbidden items (hyph.)
66. She, in Nice
67. Picture takers, for short
68. Moved sneakily
69. Driving aids
32. Eat in style
33. Snow coaster
34. Body powder
35. Europe's neighbor
36. Wharves
37. Miner's quest
40. Neighborhood
44. Indefinite number
46. Coral ridge
47. Most exceptional
49. Biblical pronoun
51. Bride's walkway
52. Leg joints
53. Phonograph record
54. Andean mountain native
55. Eve's mate
56. New Jersey team
58. On the peak
61. "Murder, "
62. Likewise not
63. Play the ponies
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