[Scott]

That's where the next problem comes into play... Average everyday people that have good enough credit to get loans aren't in the market for things such as houses and cars because of the situation. And right now the banks aren't going near people with average or below credit because it's the same risk that got us where we are today.

Every day we hear about how bad it is in the media and see companies announcing massive layoffs... No one wants to buy a house or car and then lose their job... I think for all this to come back faster companies need to get over the layoff phase and the media needs to stop mentioning how bad it is so people start buying things.