But of course it is! :) I have actually been looking for an understanding of this, but this was never my area of expertise in Finance. I listen to the Q crowd as entertainment, and to keep an eye on our intel community and that group claims just what James is talking about here. Only one thing I am sure about regarding these times; we are indeed in for a bumpy ride. As I am one of the impotent majority (poor), not a lot of preparation can be made by me in terms of physical preparation. My biggest preparation is to seek understanding and James helps me in this regard to no end. Thanks again Jame, JimBob: just another nerd, albeit a redneck one!