I wish I could get 8 percent. WISH..... that's all. I've got opinions on Fed policy but don't make any difference. I feel good where I sit and right now it is risk off. You mention the market down 23 percent. Where it was has no bearing on the future. Most companies don't have a clue what earnings are going go be..Some do. Big fat zero.So 40 years ago... Take a look at Cash interest in the modern era...