I agree we are not there yet, and I agree on the timeframe. However, unless you added a cushion into your estimates, as large and as complex as our economy is we need to do something soon so that there is time to fix it. What I mean is if we wait till say it is almost on the brink of collapse there will be to little time to right the ship so to speak. I estimate that even when the economy starts rolling again it will take perhaps 2-3 wks for the effects to actually start healing the damage. I tried to think of a good analogy to put it in simpler terms but alas I cannot. Lol. So if we wait until say the economy is a week away from collapse then it simply will be too little too late. Again not disagreeing with you just further analyzing.