Halloween is just weeks away, but lately it's the stock market that's got people spooked.

"I think it's really scary," Mellisa Wheeler said, "I don't know what to think."

"I keep watching and wondering what's going to happen next?" Bill Dewitt said.

Doug Adler of Raymond James and Associates in East Lansing said he fielded calls from clients all day Thursday.

"The number one question I'm hearing is well, what do you think? And what should we do now?" Doug Adler said.

Even after the government passed their $700 billion bailout bill, Adler said, there's still a lack of confidence on Wall Street.

When the Bailout Bill was presented and it was monkeyed around in congress, folks said, 'I don't have any confidence and people have been selling ever since,'" Adler said.

But it's going to take time said MSU economics professor David Schweikhardt.

"It's not easy to spend $ 00 billion and you want them to spend it in the right way to get this job to work," Schweikhardt said.

The first step, Schweikhardt said is to get credit flowing to help small businesses.

"It's making it difficult to pay bills to other businesses who they owe money," he said. "In some cases it might be difficult for them to make pay roll."

And to help you and me.

"If you go to finance a car, but the bank isn't giving the dealership credit, you cant buy a car," Adler said.

The word credit literally means to believe or trust... which is exactly what these markets need right now.