I am just curious. I have been in the mortgage business for 22 years. My company is just 5 people- we do only conventional, FHA and VA loans. We never got into the sub-prime business & probably would have made a fortune if we had. However, we saw it coming and did not want to be a part of it (I am so glad). My question is are you afraid to try to get credit, buy a home, refinance, buy a car right now. Our phone has not rung this week at all.