According to my calculations, we will likely reach 12% unemployment by year end. 12% is the rate we will arrive at assuming that things stay as bad as they are from now on until year end. I actually think that is optimistic, and don't see much of a chance for a 2nd half 2009 recovery. 12% unemployment is roughly 29% if unemployment was calculated the same way today as it was during the depression. Which works out to be much worse than the depression. We are crashing at a faster rate than during the depression. Peak depression era unemployment of 24.9% wasn't reached until 4 years after the stock market crashed in 1933. Do you agree of disagree and how bad do you think this is going to be. Do you think America will be changed forever due to the economic events that are unfolding?