Market will be down 10% from current levels by this time next year. Unemployment will not abate, dollar will continue to fall, gold will spike, the Fed will start incremental tightening and the long bond yield will rise. All bad for the market. Banks will still not lend and top line growth will be anemic and share prices will suffer. Hang on ofr a bad 2010...BB&T will be in the low 20s next year...if lucky.