Well, I am cautiously pessimistic. Business results seem to be improving, but is that merely because the Fed keeps printing money (no comments on the fact that the Fed doesn't itself print the money - they are responsible for the increases in the money supply)? The businesses that I interact with are not planning on any increases in '15, in fact many are looking at decreases or at best maintaining things as they were this year, which wasn't much better than the past several years. I think things could go south fast if there is a trigger. Lower oil/gas prices have helped to remove the sting of the economy, but the underlying trend seems to be negative. If gas prices returned quickly to just the same levels they were early last year, that could cause the house of cards to collapse.