As an American, of course I am cheering for the red, white and blue team to bring home the Ryder Cup.  But they won't.
    I know that clever reverse psychology holds that Tiger Woods' absence is actually a plus for the American team, and perhaps through some filter of twisted logic he never really wanted to compete in Ryder play (therefore all his teammates didn't play their hardest, the story goes).
    Baloney.  Justin Leonard isn't winless in his two appearances because Tiger didn't play, and
Mickelson's Ryder Cup record won't make Oliver Wilson quiver.

the typically unflappable and gutsy Jim Furyk hasn't won less than a third of his matches in five appearances for that reason either.  Indeed, the only player on the U.S. team with a winning Ryder Cup record is the enigmatic Phil Mickelson, who is just 9-8-3 in his six showings in the event, hardly the kind of record to make Oliver Wilson quiver. (Wilson was a surprise captain's pick by Captain Nick Faldo; I never heard of him either.)
    The Euros will win first and foremost because Sergio Garcia, whose record of 14-4-2 testifies to it, was made for this competition.  His game is filled with the kind of devil-may-care shotmaking that bedevils opponents and inspires his playing partners and teammates.  What some may take for immaturity his fellow European competitors appear to take as infectious enthusiasm.
    Forget that Kenny Perry and J.B. Holmes will be playing on home Kentucky bluegrass, that U.S. Captain Paul Azinger is relentless and gritty and that the Americans are hungry for a victory.  Look for newcomer Anthony Kim to have an excellent Ryder Cup; he is fearless and solid.  But Garcia and Lee Westwood have strongly winning records in the competition -- add their performances together and they average seven points per competition -- and Padraig Harrington, who is a mediocre 7-8-2 in four appearances, is playing the best pressure golf of his excellent career.  The rest of the team can almost sit back and watch those three take care of business.  Almost.
    If it comes down to Sergio needing a five-foot putt on the last hole on Sunday to win or lose, the Americans will have a chance.  Sergio's game is not made for late on Sundays.  But it won't need to be.
    The Euros, 17 to 11.

    Lost amid the turmoil on Wall Street, the Lehman Brothers bankruptcy and the bailout of AIG is the report on new home construction.  Single-family home starts in August were off 33% from the same month a year earlier, off from the figures of a month earlier, and at the lowest level in 17 years.  Although that is bad news for homebuilders, it should be good news for the housing market.  Fewer new homes added to the overall inventory can only mean a firming of prices (low supply forcing more demand) and a signal that demand will start to catch up with supply.
    But, sadly, the news about AIG and Lehman Brothers and the natural reactions that have ensued have ground lending among banks to a virtual halt. The financial markets hate uncertainty, and there is uncertainty to spare in the headlines of the last few days.  If the banks won't lend to each other, they certainly are not going to lend to many individuals this side of Warren Buffet.  All the good effects of a lower housing inventory will be delayed, prices will continue to drop in all but the most stable markets, and those for whom their primary homes will provide the cash for their next homes will stay where they are.
    However, if you have cash to purchase a vacation home or second home, you can just about name your own terms.  That is good news for any of us who have followed Polonius's advice to his son Laertes in Hamlet, "Neither a borrower nor a lender be."
    Polonius also said, "Brevity is the soul of wit," and so I will stop here.