Come on---what are you all talking about? Smart is going to do just fine.Roger Pensky doesnt need you to be wringing your hand and crying over the future of Smart.Geese,just get out there and enjoy what you've got.Everything is going to be fine,people.As long as you are not one of these people who are over their head in debt,let the system work itself out.Dont worry so much,just get out there and enjoy what the smart will do for you.