Ma'am; ...A silver lining in the downturn???You don't look like the sort that would eat a piece of shiney corn out of a puddle of puke; but you sure write that way....People are not saving... They are not affording, and they're hurt, and they're scared, and they feel betrayed because the pyramid scheme your class put together has the bottom falling out of it....It was alway built on a rotten foundation of theft and exploitation: but those cut out of prosperity have begun to grow at such an alarming rate that it has people looking for an exit, and there is no exit... Consider that people who can't live without credit, who don't get enough from life to compensate them for what they put into life, and have taken out of them by device -don't have anything to save except their lives...The whole economy is living on credit... What does that tell you when all the positive value has been sucked out of society, and the flow of real money for real needs has been replaced by stuff bought on credit, and sold on credit??? What is the good of credit; of buying money with money, when the end result is that everyone is working for some one who does not care to work???The rich don't want to pay the poor enough to save...They don't even show any interest in paying people enough to survive since the price of health insurance and health care kills people... They do not want to even allow the old to survive into old age as primitive savages could manage... To see a single class standing above us on a mountain of wealth; we working people have had to carry everything for them, suffer every indignity: loss of rights, insult to intelligence, the demeaning of honor and virtue, intimidation and injury and death... You might wish the working class only had one head so you could cut it off; because, I swear to you, if this people ever realizes how your class has used them, all of you are in danger, and you better run and hide...Here is the sign you have to look for... When people get to the point that they have to choose between eating the family dog or starving; look for them to come out swinging...The last thing in the world you want to see is a bread riot, because if you look like you have some bread, then you are in trouble.... I will offer you some advice... No matter what, find a way to keep the people in food, and in a place they can eat it, and make sure they have cable tv even if you have to pay for it... Bread and circus still carries a lot of weight...With your morality you may not think it fair, but smart isn't always fair, but smart is always smart.. . Thanks...Sweeney