None of this matters. Over 1/2 of the people in this nation feel it's morally correct to steal from people who have too much and give it to themselves. They believe success is bleeding dry the rich, greedy people in this country. Many have it in their heads banks are to blame. You cannot fix this. The time to put on the brakes is BEFORE you catch air. We just got proof we are in the air. As "Stocky" wrote: Let them have what they want. And let them accomplish it ON THEIR OWN. Do NOT help them. Cut your spending, buy foreign, etc. Yes, it will hurt. But once you catch air over the cliff, you cannot stop the fall. Why prolong the inevitable?