This is as about as good as I can get it for you bro, from a guy in my situation: 1. I'm a Broker and IAR. This is a depression for me/us. 2. The average mom and pop really don't know we're headed/in a depression. A great depression?? Don't know. But a depression, yes. 3. It will get worse several more times before better. Can we as a Country survive the "several more times"? Good question being a now bail-out Nation we have become... Last, don't become suicidal bro! Give this 16 months.