financial mess and the bankruptcy of lehman brothers? you have world derivatives, whatever that is and all of these things that we don t know anything about, but sound scary they call it the fiscal cliff at the end of the year with the capital gains taxes. that s problems in washington with politicians actually saying, we need to stop spending, we need to cut the deficit and where exactly do you do it? they keep putting it off and now it s put off untilar after the election. so that s separate from this issue. but there is no doubt that this had a tremendous impact and depending on you who you talk to, it had an impact perhaps to the wrong way, the pendulum swung too far and now banks are not lending because there is too much over regulation and the fed is trying to print more money and pump it into the system so the consumers will spend more so basically, we will have more hiring.