I agree that the tax cut is probably too little. But I disagree with you about the failed businesses. Would these businesses have failed if not for the dishonesty of the individuals that sold the subprime loans? I don't know but I think it is wrong to say all these businesses are failing because of a bad model. One thing is for sure, we need a way to stop the massive job losses because it is perpetuating a vicious cycle. If we could use the remaining TARP money for refinancing (for those with good credit), we might put some meaningful money into the economy and take some of the fear away.