'Those who cannot remember the past are condemned to repeat it.'
"Notable Quotations from George Santayana, Life of Reason, Reason in Common Sense, Scribner's, 1905, page 284"
Since history has a really weird way of repeating itself look out for something big in 4-8 years. My grandfather told me that this time period reminds him of the Depression in many ways. The only reason we aren't seeing massive failures is the current ability of people to live off the credit cards for a while in hopes of coming back to the top. Remember most people who worked didn't really use a bank until AFTER the Depression and many didn't know what credit as we know it was until the last 40-50 years.