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Many people I know are just struggling to get by and don't have a dime to invest in some risky investment. Look what just happened to Bear/Stearns: investors lost their shirt, taxpayers footed the bill for the bailout and the exec's walked away not only unscathed, but with bonuses.
People do flock to the malls, but not always on a shopping spree. Seniors like to get out and walk. Some folks go for a bite to eat. Others like window shopping. Bulk mall volume may be a misleading indicator of prosperity, savings and investments.
The figure of 12,200 of the DOW is certainly meaningful to those who literally have money to burn or lose or gain. The majority of American citizens have jobs that scarcely allow them to make any savings and investments. Day slaves for an ungrateful country that would sooner throw away its own young citizens in the deserts of Iraq and line the pockets of Blackwater than invest in schools, hospitals,
social security, or making a better life for the actual citizens.