it? i don t think that we have had that much of a wealth effect. if you look at the whole funs data, household wealth is back where it was precrisis, but the gains are very heavily secured toward the upper en. the federal reserve bank of st. louis did a study to look to see how evenly the gains from the stock market haves been. the top 7% of households, healthiest howholds, have seen their holdings value go up. the other 93% have seen them go down. the truth is that middle income and upper middle income households just haven t been aboard the rally, so they missed and it consumer confidence has had the slowest recovery we have seen. it s still lower today than it was at the depths of the 2001 recession. so it s moving in the right direction, but we re looking at a pretty soft christmas. the one area that is doing very well, though, the upper end. art auctions in new york. record prices for all the