Seems speculation drives alot of the gains and losses. I hope that all who have the means and can repay it will get the opportunity to do so. I have no credit cards and have dealt in cash for most of my purchases. House being the only exception. Hard to come up with that kind of cash I got rid of the credit cards when I learned how dishonest they are in their dealings. I do not regret getting rid of them. My life is kept as simple as is possible. I have been blessed with good health and pray I stay this way. To eneryone out there beware of those who lend, but do try to keep even kealed on the economy. I would not panic and continue to move forward with my financial plans... albeit very causously