A final note on the debt ceiling (I hope). Despite the fact I believe a deal will be made before August 2, this reminds me of a guy who has maxed out all of his credit cards and now can only pay his mortgage by getting an increased line on this same card. What would a bank do? Tell him no and then the guy would have to sell something or get forclosed and probably declare bankruptcy. By doing this the government is really sending the wrong message in that instead of trying to balance their budget, they are just getting permission to borrow more. It is going to have to stop sometime. This is why most governments (U.S., City, State and foreign) have all the financial problems they are having – spending more than they bring in and instead of staying in balance trying to find a way to spend more.