Nine years after the housing bubble peaked and three years after home prices bottomed, the boom and bust still cast a long shadow. Because the real estate and financial industries are so integral to our economy, those industries have been on the front lines, deeply engaged in confronting problems and uncertainties. The "new normal" is still being defined and many aspects of these industries have been fundamentally changed forever. Understanding changing demographics and the related shifts in demand for housing will be essential to prepare for the coming era of real estate. Banks and credit unions are also contending with increasing challenges, including post-crisis regulations, a more demanding consumer, technological changes, and new competition from inside and outside the industry. And the digital era of this century is pushing the envelope for these industries on many fronts, including management and analysis of massive amounts of customer data, and dealing with capacity issues, market expectations, operational efficiencies, and cyber security risks.