HIGH FEAR MARKET ENVIRONMENT Well, as expected the economy has worsened.
 Sales figures in the fourth quarter took a huge dive.
 It's not just autos, though autos comprise the worst sector.
 Non-auto and internet sales are down sharply.
 Another surprisingly strong area of decline has been in upscale restaurants.
I don't know why that is such a surprise, people are losing their jobs, small business people are suffering huge losses.
 Who has money to go to dinner with their wife and kids anymore.
The need for someone to help the consumer and the small business man has become great.
  Put the money that is being paid to these big corporations back in your pocket.
The big corporations have "Mommy" licking their wounds.
 The FED will create money (see E-Book) to make sure they survive this economic crisis.
  Who is going to lick the wounds of the consumer, which were not created by the consumer, but by the big banks and corporate's immense need for greed.
  That is how the government is helping, over time.
Once again, the government's idea of help is twofold.
 Not only is it based on the future, not the immediate, but it is set up to help only those who can qualify.
 The first qualification is to be THREE MONTHS LATE! How about the guy who doesn't want to let his credit take that hit, just to be in a program which they really are just getting another type of loan to pay back in years to come.
Not to mention the mortgage insurance premiums that comes along with it.