Yes,because we are truly in no msn's land as to being able to quantify the extent of the "toxic" paper. I deal with the S&P as it is a great deal more representative of the overall economy. That Index ,i feel,might have another 20%-30% decline left. If the job's market and the housing prices continue to deteriorate,and i don't know how they can't,then there is alot of downside to our economy. If so,the Markets will follow.Sinple math.