Seized up, that would have been even more destructive to the rest of the economy than what we have seen, the current 10% unemployment is painfully high. and bringing that down is a central goal for the country. but it would have been vastly higher if the government didn t act to get some of those credit employees back functioning, even though with all the problems that have come out, it s obviously not functioning as well as it was before, but i think if we get it functioning again, we will go back to normal times. but you know that many people believe that these will not be normal times, this is not a normal recovery, because in the aftermath of a financial bubble, you have a much longer period of recovery, basically because consumers are maxed out, they are very reluctant to spend. right now if you look at the average american savings rate is back up to 6%, but the