I want to agree with you, but I'm skeptical that oil will stay down, or that the credit mortgage crisis has even come close to bottom yet. I think we WILL see some more bank closures and another possible panic. The FDIC has been pretty taxed lately with Bear Stearns, INDYMAC, some smaller locals, and a small but not insignificant # of local or regionals failing could trigger it. Eeyore, Eeyore. Woe is me. Stay alert, that's all I've got to say.