she's been in it a longgg time and about six months ago she said "regardless of what you think about the economy, we are in an election year, and a 2nd term election year at that...they'll be cutting rates like mad right up to the end..mark my words"...another banker i know told me to "short banks (especially BOA and citi) for at least a year back in november 06'"....i believed him but did'nt listen (still afraid of that whole shorting thing)..... now everyone is riding the bunker train and "holding on to the cash"......i hope it's not too long a ride....