Look at every major market index for the past year and it is down hard. The market recovers the day after EVERY major crash because of bargain hunters, like me. Don't think Tuesday was anything to hang your hat on. Look at the LIBOR and explain why it's so high if this crisis is only affecting "a few big banks and wall street crooks." If you think that there's some insulating wall between Wall Street and your street, you're in for a painful lesson.