Sky won't fall until it's apparent that it'll close below .10. Say, 3:30pm EST and it's .0980, then it might fall. If it's at .0998 it won't collapse, people will be stressed but will hold until the last minute. If at 3:58 and it's at .0998 it could go either way, totally up in the air. My guess: If it drops down to .0960 at any time today, it'll trigger a run on the banks...