Good synopsis Rob. Fact is people still dropped their kids off to school today, went to work, and they will again tomorrow. The middle class in India and China is growing at a rapid rate and they are wanting all the amenities of the western world. This means the global output of goods and services will expand. The US is in an election and they will have to find a way to ease their way out of this crisis. Who knows, maybe the US negotiations will provide a tempered solution that will permit the private sector banks and companies participate in the recovery at a larger scale with the stronger absorbing the weak which is happening in some circumstances. With a more regulated and decreased infusion of the taxpayers hundreds of billions the impact on inflation may not be so pronounced. It is a global problem and it appears all the major companies are working on a fix. The hard part for us in Canada is although our financial institutions are not in the same situation as in US and canadians per capita debt load is not nearly as high, commodities are a significant portion of our market and the world economies have to improve first or at least be forecasted to improve. I personally don't think that is going to take as long as some are saying. Banks and financial institution execs just can't switch from ultra-aggressive to passive nonacheivers overnight and stay that way. They can't make money without loaning money or investing money. Thank god for that.