When they've bailed and printed enough, this portion of the credit crisis will abate. However credit will not be free-flowing once again because, (a) many who would like to borrow cannot because their credit is tapped-out, (b) lenders will be more careful and restrict loans to the more qualified borrowers, and (c) many other people will cut back on borrowing and spending.... building cash reserves out of concern they may not be able to keep their current job. Bottom Line.... STILL a consumer-lead recession.