"Wage growth has been pretty stagnant, the unemployment rate ticks upward, and home prices aren't doing so great; most people's homes are worth less than they were two or three years ago, and that makes them feel less wealthy," said Pat Dorsey, director of equity research at investment research firm Morningstar Inc. "None of these things change with the bailout package." Business conditions will be treacherous for some time. Expect credit to loosen but remain tight and the stock market to become even more Darwinian, rewarding high-quality companies that boast reliable earnings, solid cash positions, little debt, and a strong presence in their industry. "Focus on what you can control and minimize the risk of what you can't," Dorsey said. "Companies that are going to benefit have wide economic moats or a strong competitive advantage."