That is one of the truest statements I have ever read on this board. So many seem to be waiting with bated breath just to say, see I told you we would fail. Then what? Few have a plan B or any type of savings. I have talked to quite a few people who think they are safe with there 15 year old degree and no work experience in that field.There seem to be quite a few people around these days who are going to be deeply disappointed if we "fail to fail." I guess if we don't go into BK, they will have to take up drinking to ease their frustrations.