This chart explains where we are today 1/11/2012. That's fine but without real government spending cuts, austerity and rational tax policy's we are in for big problems. My best guess is on or around March 2-12 we will see a decidedly lower market. Of course this changes by a few months if the Federal Reserve begins to pump money back into the system. Then the problem falls on whoever becomes President next year and then the faucet get's turned off. Oh! did I make a prediction, YES.