I'm not getting a good feeling....

So, while Bernanke is telling us that the banks will be able to raise the additional capital they need, the WSJ says that a survey of BANKS says the worst of the downturn is yet to come!  So on the one hand, the banks argue with the Fed regarding their "grades" on the stress test.  On the other hand, they respond to a Fed survey that the worst is yet to come.  Has anyone in the Fed reconciled the results of the survey with the assumptions underlying the stress tests (i.e. another 22% decline in housing prices this year)?  I doubt it.