soonerguru, you may be right, but one truth people need to realize is that most Americans are frightened and unimaginative, and thus when the media mentions the words "BAD RECESSION", Americans panic and start stashing their cash, sometimes unnecessarily, out of fear they will lose their jobs. And that compounds the problem.

Why do you think so many retail and restaurant establishments are beginning to founder? And as far as the financial industry goes... f**k 'em. Serves them right being irresponsible vultures of fortune.