The current uncertainty about the economy as a whole, and the housing market in particular, is another factor to bear in mind.
"I cannot fully explain why all the criticism, except that the current uncertainties make people nervous and very impatient."
Some of the current uncertainty, however, is not normal.
The current uncertainty was bringing people to church in droves.
"We're no better than others at predicting how the current economic uncertainty will unfold, but we have a strong start."
Analysts said the current uncertainties would make it difficult for Advanta to sell itself.
The company said also that it could not provide earnings predictions for 1993 because of the current uncertainties.
Asset prices may not respond given the current uncertainty in the market.
However, the world's second biggest economy, Japan, is in poor shape, a situation not helped by current political uncertainty.
However, it is not right that we should allow the current legal uncertainty to continue.