http://bp3.blogger.com/_pMscxxELHEg/RxzD0s_7EYI/AAAAAAAABB4/ljDSXZhMG3o/s1600-h/IMFresets.jpg I watched the first wave, the subprime wave when it was heading up. Now the next wave is comming. the second one. You think the first one killed a lot of banks? hehehe. wait for the next, it will be as bad if not worse than the first one. And don't think 2009 will be fine because it is a the valley of the two waves. Because people are walking out before the reset. So it will bring pains to banks and economy much sooner. Not many people have talked about this yet. Trust me when they do, it will be amagedon. People are so behind the curve on this one.