Where will be 9 months from now? Direct cost from lower oil, mall rents and shipping will lower. Sporting retail in not like an Ipod. Tennis shoes and balls and swimwear have to be replaced on a cyclical basis. CIT group financing a 100 million dollar loan with with a debt/equity ratio of .94 is not egregious. Dividend payout ratio of 47%. The stock market crash of 1864 did not stop Tom Sawyer from fishing; This one won't stop dads from taking their sons fishing either.