PD, I think the consumerism is related to the importance of TV and overvalued housing. Every landscaper in Iowa sees the Lifestyles of the Rich and Famous and wants that for himself. And he can – with a 1005 financing loan or equity pull-out. The large percentage of Americans in bubblicious cities (I LOVE that phrase) is banking on their overpriced homes to be their retirement. That dream is being shattered this year.