Our crystal ball is just as hazy as the next person's, but, with the amount of Federal money being pumped into the system, the markets should respond positively this year. Yes, expect large upturns spinkled with intermittent, gut-wrenching selloffs.

Long-term, think bull market; with the market leaders still being in the biotech/medical and high tech sectors. In fact, we feel so strongly about this that almost 70% of our Current Newsletter Portfolio is nearly evenly divided between these two groups. And, many of our picks seem to be at bargain basement prices, ranging from 50 cents to $3.00 a share. Two years from now, many people may be looking back on the present turmoil and say, "If only I had bought that when it was..........!"