I don't necessarily disagree with what you wrote, I'm just not agreeing with you thinking it is not a good summary. It is a good summary. You think the credit markets, things like commercial paper and such, are going to have a huge impact. They might, but that's also not -the- point; it is a point, one of many relative to everything just like everything else is relative within economic theory. Commercial lending will get worked out just like everything else. The infusion of cash in the markets is already in the works and things aren't looking quite as dire as I think you think.