I keep hearing the same the same thing on the conference calls. #1. Fuel costs. #2 Commodities costs having an impact, raising prices and passing on to consumers. #3 US consumers buying less, but making up profits on international sales, taking advantage of weak dollar. #4 consumers spending on discretionary is decreasing. yadda yadda yadda. Right now Multinationals that pay dividends look good, and of course oil companies. Financials, too much opacity for my tastes and I think more bad news to come.