-Solid Balance Sheet
  -to overcome hard financial times
 -Able to make future investments when prices are lower or if facing a recession

-Bad Mortgages
  -related to credit market will cause negative aspects

-Reduced Competition
  -from economic slow times will increase profit for companies avoiding bankruptcy
  -higher prices & remaining money for remaining competitors

-Credit Market Crisis
  -increases costs of borrowing for financial firms
  -decreases cash flow to stockholders
 -Mortgage Issues
  -could force bankruptcy & government takeover from losses of outstanding mortgage obligations