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and that cascades down to consumer sentiment and what businesses will did for the future, and all of that is constrictive on the economy. >>neil: -- >>shepard: what are people supposed to do with whatever machine they have? >>guest: you are hearing people tell people to sit tight. i'm not sure whether that is the right or wrong thing given the direction of the market, but one thing they don't have to fall back on, in the past would say they go up and they go down but i still have my biggest asset, the traditional biggest asset for a house was the house and the house was appreciating over the previous 20 or 30 years and now they don't have that. so that will contribute to what is going on in the market particularly if the mortgage is underwater, into this reverse wealth effect. >>shepard: it is grip. the prospects are grim at the moment we hope someone can figure something out. thank you, john.

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