Just be glad you don't own AIG stock. It went from $70 a year ago to $3.75 today.
I just saw some financial genius on CBS who said getting credit, getting a mortgage, is going to change dramatically. Frankly I agree with him. Credit has been too easy to get. People got loans and mortgages that they simply could not afford. It worked both ways with lots of blame to go around. The mortgage lenders pushed big money loans and many consumers were irresponsible in thinking they could cover their notes.