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Well Im 37 and I have a mortgage thank you lol.  I have also been following the markets a lot lately.  I personally feel that whoever was going to go bust has done and those that needed to be bailed out have been.  Well I can only speak for Britain.  Hopefully the worst is over and in the coming months the banks will start to relax somewhat.  Hopefully they wont make any silly investments in the future.  But who knows.