experts perplexed: no takers at emergency lows, page-2

i'd say there are plenty of willing takers out there. problem is, they just don't qualify. a combination of job risk and tapped out credit i'd say

just like the whiny teenage girl that really wants to upgrade her iphone 4S to an iphone 5 but no matter how much she stomps her feet, her credit card is maxxxed

question for those with better ratings/funds is: should we buy now or wait for a bit more pain to strengthen our bargaining position?