Yeah things are going to get a whole lot worse before better. There is absolutely no fiscal responsibility out there. I am worried because I work in RE Development (Retail). Obviously we are nervous in the short term (although our big projects are 2-4 years out before construction even begins). Regardless, there needs to be a come to jesus moment for this country so people can get back to a policy on fiscal responsibility. I am a Republican and don’t like big government but both Credit Card companies and mortgage lending companies have become so greedy and unethical that I believe there needs to be a serious look at how much the Government regulates these companies. Not to send the general public is not guilty here…they are just as much to blame. Sorry you can’t make $65k/yr and have a $700k home, BMW, Ford F350, Motorcycles, Boats, plasma’s, desert toys. It just doesn’t work.