Where's the Crisis?

Although I still have a lot of faith in President Bush to do what's right for this country, I wonder if he is being given good financial advice. It appears something has to be done to help stabilize our financial system, but does it have to be this drastic? I know some so-called experts say people and businesses will soon fail to get loans to buy cars and homes, but so far things seem to continue like in the past. I keep getting solicitations for expanded credit and auto dealers seem to be selling cars. Even homes are being bought and sold. Things seem to be going on normally from my limited vantage point, so I have to assume that the financial experts see something I'm not seeing. This crisis has the investment market in a free fall, but is it because we know there is a serious problem, or because we only think there is a real problem. Do we really know for sure? I'll leave it at that for now.