You're exactly right, it's not the whole problem, but it has a large part to do with it. I don't know how much more proof some of you people need. READ WHAT HAS BEEN DOCUMENTED. Please tell me what else INSIDE these companies is driving them under. And don't say the economy, they've been through economic turns numerous times. They've been going under for the past few years, the current economy just put some final blows to it.