The rate reductions have had little restorative effect--only the assurance of better credit, not looser credit, will cure what ails the banks--but they did help unhinge the dollar.
In the American survey just over half of those who cried believed it didn't have an effect on their client and close to a half thought it had changed their relationship for the better.
Now, this is actually better than expected, considering the severe storms all along the East Coast are estimated to have had a depressing effect on the numbers.
"What's happened to me has had a very positive effect on people around me because they think if it could happen to me then I better get it checked out, " he said.