to have you here. it's troubling on so many levels. you have -- people are in a very, very tough position, their home is worth less, they may be out of a job, they're facing, you know, increasing bills, inflation, all of this in this possession that makes it really scary. you have to feeling, steve, that we're not getting out of it any time soon. >> no. and it's true, there are weather-related things that have held things back, so the second half will look better than the first half, but that's like a car gone from 30 miles an hour to, say, 38 or 40 when we should be going 70, this stage of a recovery. there are real head winds out there. the weak dollar, massive new regulations from health care and the so-called financial reform bill, the spending binge continues unabated, and uncertainty about taxes. martha: let me ask you this. there's been talk of depression, double-dip. do you think that's where we're headed? >> no. what we have is the equivalent of a bad flu, not enough to make you a pneumonia, put you in the hospital but certainly sluggish and slowing you down.