So what is your prediction for this year? And for next?
I do not know, but I figure I willhave a lot clearer picture about Christmas. After the October when the next big round of ARM resets hit and how it affects teh holiday shopping season will be telling. I for on am preparing for the worse. My wife and I are cutting back hard on unneeded spending, shunting the money to our Oh Crap fund, and are thinking hard of moving all our investments to money market funds and CD’s.