Some in the West have a particular responsibility for these terrible four years.

"These have been terrible years for my husband," she said.

This has been a terrible year for the commercial insurance business.

"It was a terrible year, but you would give everything for one of those days with Mike again," she said.

And after those three terrible years, the economy has a lot of ground to make up.

"Those were terrible years," he says to a friend who knew him in Russia.

And through terrible years she had held the Family together.

The feeling almost wiped out that terrible year as if it hadn't happened at all.

It'd be like those terrible years after the oil business crashed.

This against a guy who, we're told, had a terrible year.