It's going to happen. I don;t know just when it will. If you don't have the balls to tag along, jump off and enjoy your misery someplace else. It is falling apart in slow motion until bonds say speed up. https://www.msn.com/en-us/money/companies/fitch-warns-it-may-be-forced-to-downgrade-multiple-banks-including-jpmorgan-cnbc/ar-AA1fiucd?ocid=msedgdhp&pc=U531&cvid=d5ff0468ed2f46ba90c62132391744c1&ei=45