sad but true. funny how jefferson could see this coming 200 years ago but few see it today. merrill has me real concerned, they and a bunch of others including BofA start reporting in about a week....BofA just reduced merrills earnings expects (now saying merrill should have $7 1/2 bil more in writedowns vs. $3bil).......i'd like to see this end and get back to business but it looks like a rough road still ahead.