It is a blustery fall day along Nationwide Boulevard in Columbus.
Cloudy skies set the tone for a serious lunch hour discussion: the economy.
The talk ranges from highly optimistic to down in the dumps.
Sally Leatherman is positive.
"I'm very confident about it," Leatherman said. "I think we did the right thing by congress approving the bailout. So I think we're going to be okay. It won't be short term, but long term we'll be okay."
Steve McKee looks at the practical side.
"I'm obviously concerned about the 401, how it is doing," McKee said. "But it is also a buying opportunity, right?"
Debbie Stone is downright nervous.
"I just think the whole thing is pretty scary," Stone said. "Very scary. I don't really know what to think. I wonder what's going to happen tomorrow."
Others like Daniel Langstaff say it is just out of his hands.
"If something doesn't change soon we're going to be in for a big problem," Langstaff said. "Not much I can do about it, just try to wait myself through it."
No matter what the opinion, the facts are the same.
The Federal Reserve made $300 billion available to failing banks Monday but didn't stop markets from diving.
The Chicago Board Options Exchange Volatility index is considered a measure of investor fear. It is at a 19 year high.
And global markets struggle as credit concerns fly around the world, with down markets in both Asia and Europe.