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SL62 - You hit the nail right on the head. The Average Joe has no idea how a credit freeze would effect them. All they think is "bailout for fat cats" They dont realize the downward spiral we all will be dragged into as banks, business, then the average guy are all dragged into the vortex of the collapse. The media and the govt aren't doing enough to explain the ramifications. I spent the past 2 days posting the Fundamentals of Macroeconomics on a local newspaper discsussion board.