Good post intsub.I was surprised how the markets finished the year.I thought the dow would finish the year some 1000 points less 9,500.It all seems a bit wishy washy to me in that the credit crisis was created due to credit.What has happened since the credit crisis is that people have not pulled in and continue to borrow and increase debts.This leads me to believe that there will be a second down turn credit crisis more severe than the first.Some time this year there will be a pull back.
