[Crowbob]

My guess is there's a huge number of families in Rick's situation; responsible people who have made ever increasingly painful sacrifices in response to a contracting economy. This is why I am not optimistic. Even if all the right moves were made immediately to get the economy back on track, it would take months to show actual improvement at the consumer level. Many families are just bottoming out now vs. the poor planners who bottomed out a year ago. I have no animosity what so ever for people who do not donate in these trying times. I don't think for a minute that the sentiment that charity begins at home is selfish in any way.