I wish I could be more cherrful, but here are some of the reason we are investing so much into Defending Homeowners as it doesn't look to be getting better anytime soon for the economy, thus we have to Keep the HOPE alive.

* We are looking at a U.S. GDP growth is going to be negative through the end of 2009and the recovery in 2010 and 2011, if there is one, is going to be so weak - with a growth rate of 1% to 1.5% - that it's going to feel like a recession.

* I see the unemployment rate peaking at around 9% by 2010.

* The value of homes has already fallen 25%. In my view, home prices are going to fall by another 15% before bottoming out in 2010.

* For the next 12 months I would stay away from risky assets.

* I would stay away from the stock market. I would stay away from commodities.

* I would stay away from credit, both high-yield and high-grade.

* I would stay in cash or cashlike instruments such as short-term or longer-term government bonds. It's better to stay in things with low returns rather than to lose 50% of your wealth. You should preserve capital. It'll be hard and challenging enough.