I would suggest, this environment was created by a 4.6% tax windfall in 2001, and employers squeezing 80 hours or work out of each 40 hour employee, and that it is not a matter of fear to hire and buy, but that the actions of 2001-2009 eliminated the incentive of employers to hire and buy. The economy is deflated, yet the dow is over 11K..what does that tell you ?