Now, I understand they said it's a pessimistic case, but still, they can't just create that unless they believe there is a reasonable chance of happening. But so far, this is only the 2nd source who said about a recession in 2012, w/ the former VP of Citi group came fwd. at CNBC saying the same thing last week. However, majority of the people is still seeing growth in 2012 Any1 believes in a recession next yr.? Any1 knows how S&P comes up w/ that scenario?