Just a pondering I hoped you might be able to give me some insight on, I'm either to young or didn't know it because we were too poor to notice, but I've never experienced a significant economic decline in my life. My wife and I are both doctors and have borrowed heavily to set ourselves in a great place. Right now we have no difficulty making the bill payments but should the banking/finance system collapse, will we still have to pay the bills; how do we pay the bills; and/or is there any hedge to anticipate how we'll make those payments? I don't doubt that we'll still make 'something', be it cash or barter, but what exactly do the banks expect from you at that point? Do they just foreclose on everyone...?