Is it just me, or am I confused? I thought Congress fixed the mess. I mean, this excruciating vote to bail out these scandalous corrupt executives (but of course, NOT to give them golden parachutes) for the good of all of us on "main street" finally passed, after Congress so wisely added all these wonderful parts of the bill that are going to help us, actually passed both houses and was signed by the president a couple days ago. So why did the stock market tank around the world? Could it be that we have a credibility problem?

Last night on 60 Minutes, the public learned what "credit swaps" were. And, oh, if you forgot to watch, no one knows for sure how many of these credit swaps are out there. I have no idea. But apparently, it's like a highly contagious disease - it spreads quickly. After all of this, Congress with the "bailout" and 60 Minutes with "credit swaps" by the unknown number and score, 60 Minutes wins. At least if you listen to the stock market today, it does.

But it will probably go up by 400 points tomorrow, and then down by 800 a couple days later. Some of the experts say we have further down to go, and I think that is right. Desperation takes on many cloaks. Of course, all the pundits say that our deposits are safe, as long as they are within FDIC limits. That's way cool. But what if everyone asks for their money at the same time? No one ever thought about that, did they? Get those printing presses humming!

Let's hope cooler heads prevail.