i too believe the bottom still has to come especially for the jse, reason why i say so. we are hearing every day tv, radio and newspaper how many cars, and houses are being repossessed by our banks, and how many voluntry liquidations and forced liquidations are being done weekly, i have a friend that left the legal trade to return six months ago just because his ex-partners asked him to return because of the anount of badt debt and liquidations they have to handle. Included in that house sales went down as per every other newspaper and banks by 50 %, car sales are down by 25 % from last year. In vereeniging where i live the hub of the secondhand car market the second biggest car sales dealer went bust last week, owing millions to wesbank. Even the standard bank ceo spoke last week on cnbc and emphasised that their bad bedt sharply spiked. So to sum up. We have not yet heard the bad news from the our banks yet and trevor and every other banker keeps on saying our banking system is in good hands and solid, however how long can the auctions that you drive past every day keep going until one or other bank fails and then we shall hit the bottom