Since I spend most of my time with my children (7 & 4) and typically avoid society at large, I, for the most part, get my information/interaction from electronic means. In the last 2 years, I have been a daily participant in the daily trek to the bus stop with my son. this has provided a window, albeit a small one, on the sheeple here in Pennsyltucky (referring to James Carville's prescient observation that Pennsylvania consists of Philly and Pittsburgh, with Kentucky in between). I noticed that, last summer, when the "sub-prime mortgage" crisis became large enough that the term became part of the aforementioned bus stop mom vocabulary. This marked (loosely) the short term bottom at the time. although I am certain to be commiting multiple errors in logic, I am reaching the conclusion that the next bottom won't be in until "credit default swap" has made that same transition into bus stop mom lingo.