No problems in your simplified thinking, major corporations are saying similar things, unprecedented is the latest buzz word in the media. It will not take longer than five years to unwind, may not take two years. If you read many of the other threads, many of us have been suprised at the events of the past two weeks and nobody knows what effect it will have. Look at threads from from six months ago and a lot of posters called for the end of the summer to be an interesting time, turns out they were right. I say sh%@ hits the fan by Christmas. 2-5 years is too conservative at this point, we are in the down cycle now and 2-5 months it will be a whole different ball game.