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Hello All, Perhaps I should begin this letter on a positive note (and call it two steps forward, one step back, like a good marriage). Susie and I are about to celebrate our 30th wedding anniversary and we just returned from a wonderful anniversary trip-taken in September for weather reasons. We have been married more than half of our lives and happy to be that way.

Although I believe most of you are not panicking, not worrying and not standing on the window ledge this time around, I'd like to share some of my recent thoughts on the markets, economy and what's going on. (I have also made a bet with Anka that I can keep this to three paragraphs.)