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1. I hope so. Rock bottom has to lie somewhere. It would be hard to imagine a much worse situation. 2. I don't think the state will be affected greatly. Detroit is already a money sink, so this won't change that. My personal hope is that some processes can be streamlined. But it's hard to imagine a dramatic turnaround. Deep problems require deep solutions. I guess we are going to find out if this is actually a solution or another bad joke.