Get real. Goldman Sachs is out for one person. Themselves. When the market was booming they were holding their hard ons cheering this up. Now its going down they are predicting gloom for a few reasons.

1. They want more free governemt money.
2. They can then buy the hell out of all of the forclosures at 50% dicsount and build their portfolios.

Never for one second assume theses crooks put out any report for any reason other than making money for themselves.