Floridians have apparently not been paying much attention to the woes on Wall Street and controversy in Congress.

Consumer confidence in Florida rose three points this month from its reading in August in a survey taken after the bailout talk began but before the measure failed in the house Monday.

University of Florida researchers tracked a record-low for the index back in June but consumer confidence has recovered by nearly twenty percent since then.

Chris McCarty, O of F Researcher, says while Floridians may be keeping and eye on the crisis on Wall Street they've already learned to live with some economic adversity.

"Most of the things that are affecting consumers have already happened. Gas prices are still an issue, people who are trying to buy a home and having trouble getting a loan, that's been going on for quite some time. So actually this bailout is a response to that."

McCarty says some signs of stability in the Florida housing market may have boosted consumer moods this month. Housing prices may not come back soon.

But researchers say the bailout, if it happens, may help bring some relief to mortgage lenders and let homeowners know the real value of their mortgage and their home.

"That's part ownership of a house and of land and that house and land has some value. It’s just that we don't know what that is, so until we get the markets working again, until we get people back buying homes, we won't know what the values are. And once we do, things will actually improve."