Whirlibird, They are seeing the same patterns of 2007 to 2008. The 2015 pattern of the stock market is almost the same by percent of the ups and downs and all looks like it is pointing to April to July of 2016.
Remember that end 2007 to all of 2008 was a slow downward till it all fell apart. Well this one they same is 2 to 3 x bigger. They are saying the housing foreclosures will be more the 2x what happen in 2008.