20 years ago - in October - I was in a limo in New York on my way to our HQ. The driver opened the window and asked me if I had heard the news. I listened. The world felt like it was falling apart. It was the biggest loss that day since the crash. My life and the lives of many changed for ever that day. I have a feeling that all the soothing words about the credit markets are setting us up for another fall now. Here is more like the truth for once. (Thanks John Robb)