100 dollar oil is a hardship and it is here.  The population grows every year and more of the third world uses oil every year.  Demand increase 4 % per year but the price does not move in a straight line.  I own a gold exchange and people will melt there wedding bands to get gas and food money.  Sometimes I give them an extra twenty when they have little kids.  Things are much worse for most of the Country than anyone that is doing well knows.