Sean Mac said, "I don't have to listen to any of the gloomy forecasts anymore. or at least, I don't have to take them seriously. The "expert forecasting" is a busted flush. They don't really know.. so I don't have to listen to them." Precisely. At the end of every piece of economic and financial advice you ever get is the tag line "values may go down as well as up". This should be in bold letters at the beginning of the advice. Whether the advice turns out to right or wrong the advisor already has your money. If it turns out to be wrong, you ain't getting it back. I'm not being overly cynical, it's just that economics is largely posited as some sort of science because figures and numbers are seen to be factual, whereas as this economic downturn has demonstrated finance, is more about confidence and emotion.