Well may be they're hunkering down where you are but I drive past Olive Garden and Red Lobster everyday and the parking lots are packed -people waiting out side to get in. Many in trouble are those that were the football heros and cheerleader bunnies instead of applying themselves whilst in school, wanted the american dream with 3 cars, bass boat, jet ski, fancy vacations and a house well above their means but bought one anyway, can't balance a check book but keep spending on credit cards and pay the minimum every month, expect the government to take care of them now it backfired, "no one explained it to me" attitude. To be sure there are some people in unfortunate circumstances but them that didn't get there themselves because of stupidity are in the minority. Back to someone who spends 1000s $ to dolly up the farmer's gun the guy probably applied himself whilst others took the EZ path, more power to him. CB