Economics is a science of forecasting which is tied to a great deal of uncertainty. You can't forget that 2012 is an election year so the big boys up top might have better things to worry about. But holding this at a constant, the U.S. economic engine is stuck in a kind of business cycle trough--aka, economic nadir. It's been slowly trying to move forward a bit--i.e., the manufactoring sector is slightly improving, techonology sector is doing great, etc. Nevertheless, the heart and soul of the economy, the financial/banking sector, may take a great deal of time to get going again. The unemployment rate will be the key economic indicator in 2012 and will be watched like a hawk. So, in reference to your question, we'll just have to wait and see. I tell you what if Ron Paul's elected in 2012, which I doubt happens, things would get turned around very fast.