There's a momentum to consumer confidence and credit crunches. Folks were talking about the 2008 crash for about 18 months before it happened. We're staring down something on the horizon now, and I'm sure someone more economically minded than me can envision what it is, but will it hit in 1 year, 3, 5?

Everything is usually sunshine and roses until it's not, and then things stay conservative until there's some sort of all clear.