The Dow closed at 22,118.42 on Aug. 7. The SP 500 closed on 2480.91 on Aug. 7. I'm calling that this is the high for the year. Of course, I have done that several times before and been wrong, but this really might be the high for the year. I'm anticipating about a 10% drop, to below 20,000, between now and the end of October. I think the massive 40% drop will be next September. We will see.