A client writes, "The talking heads have a million opinions and it seems as if no one has a clue!" Yup, that is the most succinct investment analysis we've seen all summer. After Congress blew up the stock market in late July with the debt ceiling fumble, we endured a stretch of volatility not seen since spring of 2010, though certainly not as bad as the grim 4th quarter of 2008. Which prompts everyone to wonder, "Are we about to undergo another 50% sell-off in stocks?" No, but most people project the future based on their most recent experiences, especially as the talking heads proclaim daily that "Greece is the next Lehman Brothers."