Don't believe these lies being spread by this administration, the Congress, and the Media. They are using scare tactics! There is no danger of financial collapse. There is no "lending void." If you don't believe me, call your local or regional bank. If you have decent credit and a job, they will give you a car loan. If you have money to put down, they will give you a mortgage loan. Bad credit, no job, no down payment, no loan. This is the way it is supposed to work. Sure the market will likely go down more, but again, this is the way it is supposed to work. The market goes up and it goes down. What do they want a market that never goes down? Passing legislation based on the stock market going down? That is not a free market. That is more like Pakistan, I don't think we want to live in Pakistan.