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we re finishing off the worst levels of the day, even though a loss of almost 400 points certainly is not good, it s much better than it could have been. yesterday, the federal reserve, u.s. central bank, put out its statement and they said that they are going to keep interest rates low for a long time but they also said that significant downside risk exists for the u.s. economy. that is an extremely strong statement and a much stronger statement than the u.s. stock market expected. as a result, we had a rough, late afternoon trading session yesterday and it spilled into the overnight session and today. a lot of this is linked to the fact that traders increasingly thing and economists who think that we are either entering or on the verge of entering another recession. you couple that with the problems that the european banks are having and different countries in europe are having and it all combined to be sort of the perfect storm, if you will. everybody is now focused not on