and nasdaq down 17%. the numbers matter, down 20%, officially a bear market. sometimes that causes even more selling. sometimes inspires people to bargain hunt and buy. who knows. fundamental reasons why the stock market is unraveling here. among them the crisis in europe. well, this is our biggest export market. so this is a problem. i mean, why are companies going to add jobs if they're worried about their biggest customer? a big housing market. after we saw the first time home buyer credit run out, concerns whether the housing market -- >> sales down 30%. unreal. >> congress is moving, too. a lot of people caught in this first time home buyer credit morass, couldn't get it done in time. trying to get it done by september 30th. still, house, your job. the two most important things for you. worried about, consumer spending, where we are.