Adding in a synchronized global recession harming exports gives a double-barreled shot.The 2008 recession began 7 years after the 2001 capital goods recession, so there were plenty of excesses just in those 7 years to work off. So much of life is cyclical. If we pull together and follow Barry’s advice above to preservethe system but remember that what are being called “banks” in this debate are very largeholding companies that own as part of their holdings depository institutions (real banks), then we won’t cry if the holding companies vanish. As a graphic design firm, we have to deal with over-seas designers, bid-based design websites, templates, low-ballers, and all kinds of economic competition. We respond by offering our years of expertise, working more efficiently, and keeping our prices reasonable.