In retrospect, Croesus would be hard put to argue the bear market is over, the recession will be moderate and short, and the bottom has been seen in financial stocks.

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Even the most die-hard bear has to be at least a little nervous.

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It will be hard for many parents to let their student bear the financial cost of overspending or making a late payment.

FORBES: Magazine Article

According to Dave Rosenberg, seen by many as a perma-bear, it will be really hard for a self-sustaining recovery to pick up.

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