There is no easy money to be made in the banking industry, or anywhere, and it will be way beyond the scope of our new leaders to put a handle on the economy. Huge layoffs, tight credit with what was once solid commerical clients becoming weak, (Buffett concern) and failing State Goverments (California). Before the end of the year massive selling for tax write-offs. Serious concerns in the Middle East. I would rather bet on gold and oil, but the dollar may not weaken all that much, so I would be on the sidelines and sleep at night.