again , i agree. my wife and i have always lived within our means. we have never had more then 500 bucks on a credit card. the worst thing we ever did was not save adequately for our daughters college expenses. we just got thru paying off 28000 bucks in college loans,some how some way God has blessed us both with good jobs and good common sense. i sure never realize how many small companies borrowed their payrolls month to month. strange days ahead for sure.