Production inputs like oil were at a record high during the third quarter of 2008 and have come down in price significantly.

FORBES: Magazine Article

This is a complete 180-degree change from the situation at the beginning of 2008, when record-high oil prices put a big smile on the faces of oil producers while forcing oil consumers to pinch pennies.

FORBES: Use This Currency To Short Oil, Another One To Buy Gold

With oil prices at record levels and unemployment surging to a three and a half year high, it's a bad time to be a consumer bank--particularly a financially weak one that has taken a hammering on exposure to the mortgage market.

FORBES: Woe For WaMu