M12 totally Agree. The market, and "capitalism" resulted in the average person bieng led down a path and into a great ocean...and suprise suprise, the sharks have been circling all around. Hedge funds, shorting,and 100% non asset backed lending...Let me know what were the advantages to the average guy was. Disgracefull side of 21st centuary greed. Govt intervention was, and is absoulutly required in these times. Turbulant times still ahead, but at least there maybe light at the end of the tunnel. Hard to pick the bottom, but there are some great bargains out there.