After living through a few recessions, all I have to say is prepare for the "worst case". There are always some people who seem unaffected by these little financial panics and just go on living life. However, there are always those who do not get a chair when the music stops. I might be wrong, I hope Im wrong, but the evidence seems like its "all there". The next recession is coming soon to a theatre near you...lets hope you are not the star.