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Like I said before, I no longer believe it will be just a quick event. It will be a process. But I do believe that the downhill slide will truly begin later this year, I’m sticking to October. I think that by late 2016 we’ll be at rock bottom. Just how low that is, I’m not sure.

If I’m wrong… $5 to all of you. I’ll just need your account and routing numbers, of course. ;)