When I read articles like this one I have to think about how things are changing...... http://news.yahoo.com/s/ap/20050928/ap_on_bi_ge/late_loans Even if this article is not true, we can all agree that America can not function as a country if everybody has the ability to go to the beach for the day and drink Corona's. Government will not let this happen either. Look at some of the issues facing people these days: Bankruptcy law change High Housing Costs High Energy Costs High Tuition Costs Local Taxes High Medical Costs / Lower Coverage Rates Social Security Not in a Lock Box, No Box or Key Pensions Going Away Income Growth Flat Job Growth Flat Outsourcing Increasing and no stop in site Good jobs decreasing, not Walmart jobs Look at all the money the Government has to spend on their priorities vs putting in place some programs / laws to help with the above. The only reason I can see is to keep the little guy working. We'll give him 2 weeks and no bear allowed on the beach. Now for the positive and the real point to the post. America is the best country in the world and you can make it, but nobody is going to help you and Government is going to their best to keep you working. If you have capital and can put it at risk with a good plan then do it today, in the long run your either dead or killed slowly by the forces above. Lets get after it, I like Corona's and i like the beach.