Hi Nomegnome - welcome back & Happy Valentine's Day! Your bonus should be in the mail within 90 days! I agree - would be nice if the public had a vote in the bailouts but I guess real change is needed. Question is will the banks change their behavior or will it be business as usual? Hopefully more jobs can be created soon & mortgage crisis also addressed. Easy credit is a thing of the past now - what a painful lesson for all of us - the piper has to be paid, but very difficult during a downturn!