Bernanke's text reviews financial turmoil and Fed programs, says outlook weakened and "slowing in spending and activity spans most major sectors." Time to recovery will depend on getting mkts to more normal functioning, but even achieveing stability will not act quickly to help the economy. Uncertainty "is unusually large" and Congressional consideration of another fiscal package "seems appropriate" - fiscal package should incl ways to improve access to credit and should limit the long-term budget effects.