the unemloyment rateis not having in a way tt they expect. even theederal reserve has been a little uzzled by it. and then you look at foreclosures. gwen: i heard todayhe unemployment re was up to 15% in miigan. >> and double digs in a numbeof states. and nionally, it's goi to go at leastto 10%. and someare now saying maybe even highethan that. despitthe fact thathe white house had ped to -- te stimulus would hold it at 8%. so that number is ecoming a very tough nuer and it scares people. cause it's a number tey understand. then you look t foreclosures. another thing consurs get. 300,00 a month thsecond quarter o this year broke allrecords nhistory. and so th unempyment and th forecloses are now feeding e another. the foreclosures that we're seeing now are nothe people who are cra and bought the big house they uldn't afford. ese are people who ar losing their jobs, ho ad 30-year xedmortgages. so tt's scaring consumers. so you have consumer confidence down. so they on't shop. so you got this wholcycle is still out tere. and the growthnumbers,