Option A and Alt A mortgage resets peak in 2011. No bottom in stock market or housing market until then IMO. Chart <a href="http://www.calculatedriskblog.com/2007/10/imf-mortgage-reset-chart.html" rel="nofollow" target="_blank">http://www.calculatedriskblog.com/2007/10/imf-mortgage-reset-chart.html</a>