This has been a wonderful year. We have witnessed history in the making with the election in the US of Barack and here in Canada with the Coalition government. Its been a great year for some and tragic for others.  I witnessed large instutitions such as Bear Sterns, Wachovia, Washington Mutual, Merrill Lynch all vanish before my eyes. There were many days where we had triple digit declines in the DOW and TSX and my RRSP and Pensions lost 40%. Will this end? I hope so, and look forward to 2009.

I wish every a safe and wonderful Christmas season. I will be in sunny Florida to board a Royal Carribean Cruise. Cheers.

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