@nathanworden you mean that if performance continues to deteriorate, more people will get fired? yes, absolutely, but as long as people stay hired, performance shouldn't deteriorate too much. labor markets are contracting, off a ridiculously pro-worker base...we've got more room to fall. Now, is it possible that the slowdown negative feedback loop just keeps spiralling? Absolutely. Also, housing, cars, etc. are big parts of the economy, but that's just what consumers finance...enterprise finances a whole lot of other things and maybe we haven't seen the long tail yet. But as of now, the data shows we might just pull it off.