ATLANTIC CO.--- It was on Thursday that Congressional leaders told executives from the 'Big 3' automakers: No bail-out money, until you show us a plan -- a mantra that seems to have gained favor among the general public, and financial experts.

"...$25 billion, but then that lasts for several months, then what," said Paul Rubillo, CEO and President of the financial website, Dividend.com.

According to Rubillo, it can no longer be 'business as usual' in Detroit. He says that the top management of the domestic automakers, have to show Congress and the American people, a plan that will work for the long term, "....this is what we're going to do...we're going to restructure, there's going to be a lot of changes made."

But Rubillo says that any restructuring must also include concessions from automakers, "....to get the industry back on its feet, so we don't have to come back in 6 months or a year and look at this problem again."

Rubillo adds that he thinks its important for the public to realize that a restructuring of the companies, after a bankruptcy, is not necessarily such a bad thing, "....these companies are not going to go away, even if they do go through bankruptcy, they're still going to survive."