The market is shrugging off negative job data which could be due to low volume. Many traders moved out of positions over the past few days slowly and into bonds and gold. Supposedly banks are examining their books closely to look for small stress fractures that could be an issue in the near future. Also, they are looking for clarity on financial regulations as they are being written up. It is a tricky time out there for both consumer and for the institutions. The text book are being re-written as we speak.