in my opinion...Banks make their money loaning money...The economic environment is unstable at best.....The american consumer are in debt, 1 out of 8 homes are in foreclosure, unemployment going through the roof and wage cuts and hours cut going on everywhere.... and when all said and done the american economy depends on the consumer...Negative growth in the cards and all the jawboning in the world about a possible economic recovery in 2011 is not going to help if something does not dramtically change imo....