Holiday Blues ...

Wow. What a holiday season for businesses.

Toyota Motor Corps, one of the world's leading manufacturers of automobiles, is predicting a fairly significant loss ... it's first annual loss. Ever.

Retail sales are down. Significantly.

... and the U.S. government has no idea how banks are spending the $700 billion bailout we gave them.

Economically, this is shaping up to be a very difficult season, and 2009 will probably follow suite.