You are a complete MORON times 10. You obviously have zero understanding about counter-party risk let alone the fact that there is nearly $70 TRILLION dollars out there in credit default swaps that have lead to a "frozen" banking system, an illiquid commercial paper market, collapsing GLOBAL equity markets and a highly DEFLATIONARY economic situation. Leave it to you to talk about interest rates in 2005 and yet blame Bernanke for the current situation - - - even though the FACT that Bernanke wasn't appointed till February of 2006 appears to escape your "pea-size" brain. You sound like the idiots during 1929-1933 that allowed M2 to shrink by one-third, essentially raising rates during a total economic MELTDOWN because they stubbornly remained loyal to regulations that required partial gold backing of credit in the form of Federal Reserve demand notes - - - which was a miserably failed monetary policy given that the bankiing panic created redemptions of Federal Reserve gold, thus reducing the Fed's limit on allowable credit. As a result, it sent unemployment to 24%. Is that what you want? Actually, I am not surprised that there is someone such as yourself "cheerleading" a total economic CRASH and MELTDOWN with unemployment going through the roof - - - after all, this is ET. Home of some of the most ignorant and naive simpleton's known to mankind. Congratulations for looking like a total FOOL, yet again. You and your "buddy" Aaron Copulator ( the photo-shop "paper-trading" king ) should start a club together.