Why not call it what it is/was: a financial panic. Of course that leaves scars -- ``Despite record-low interest rates and a nearly four-month-long stock market rally, Americans remain reluctant to invest in stocks. About 76 percent of those polled for Bankrate's Financial Security Index earlier this month said they were not any more likely to put their money in stocks than they were one year ago. Also, a mere 23 of Americans under 30 say they have become more inclined to invest in the stock market over the last year, compared to 18 percent of the general population.''

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