Opps theres the 'R' word again

UCLA is saying it this time, many others have come close to saying it, and it may just come soon, but I'm not calling it yet. I think Wall Street is on edge but realistic. Some say they are waiting for the Fed to lower long term interest rates. But this is not the problem, those that want a loans are getting their loans. Those that shouldn't get loans are the problem. So how do you fix it. Beats me. Reces... opps just about said it.