Folks, the economic condition indicators are the worse that I have seen in my 61 years of life. I would like to be an optimist, but I gave up on that last week. We are in for some very bad times ahead. By the summer, we might see riots in our major cities. I am not promising this, but I am afraid of it. Price to Earnings ratios might return to what they were in the Fifties and Sixties. If so, DOW 5500 could be a reality. If people are afraid to invest money in stocks, that is where the market will head. Millions of people who thought that they were going to retire in luxury are going to have to reaccess their situation. Meanwhile, going to cash might be a very wise decision. I am totally in Treasury bonds with a locked in 3% for the next year. I am OK with that.