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Real Solutions <br /> • Patience <br /> — Avoid quick action or sale of assets <br /> — Allow current rules and regulations to be enforced before new rules <br /> are considered <br /> • Address underlying issues <br /> — Increased monitoring/disclosure of financial products <br /> — Changes in laws/regulations to be considered <br /> • Coordinated Efforts <br /> — Allow current process to proceed—regulatory agencies, local issue <br /> specifics coordinated with general"big picture"guidelines <br /> � :I.<,� ». Springsted <br /> Other Economic Factors <br /> • Value of the U.S. Dollar to other currencies <br /> • World Economic Growth <br /> • Federal Reserve Action <br /> • Crude Oil Prices <br /> • Demographics <br /> • Housing decline spillover effects <br /> — Retail sales, home improvement sales <br /> — Construction&other employment <br /> 4, Springsted <br />