Your right, the retail sector has been being decimated for a few years now. malls are becoming graveyards all across the country. My nephew is even seeing it in the small town of Hastings ,Mi. Stores closing at an Increasing rate and not just small mom and pop stores. Majors like Sears, Kmart, JC Penney are all in trouble and shuttering stores. The reset is going to be devastating for a great portion of the population. And it breaks my heart every time I walk through a store or go to a beach and look around and wonder how many will not survive it...I constantly just want to scream for them to wake up. But I know it will do no good. I have been trying to wake people up for a very very long time. And only a few have rubbed the sleep from their eyes.