Hi, I today heard people talk about failure of credit card companies and car companies because of car loans and huge credit card debts. While the reasoning is sound, is it really safe to assume that we can see a downfall in these markets? IF everyday people are expecting this, they will obviously be looking towards shorting these sectors. What do you guys think? I think they will be wrong because it's just too obvious. When regular joes think something will happen, it doesnt.