Last year I was a tad under 30%. This year is harder based on many reasons.To name a few, Markets have been bullish since March 2003 , the start of the Iraq war. Real estate sales have been sluggish and dropping prices. People feel less rich,spend less capital. Markets are in a business cycle and we are overdue for a correction. Higher oil prices causing the Fed.to start raising rates. I still think the markets will sell-off sometime this year. Earning season is around the block. Several weeks ago we received warnings from FedEx,CircuitCity,and Homebuilders. Consumers are tighting the pocketbooks and this will hurt the economy. I have a feeling tomorrow job report will pop the markets Monday.