The market is overvalued, noticeable to even the layman. It will correct. Granted, I'm not an expert in monetary issues, but the root of America's problem here and everywhere else is spiritual. America's addiction to borrowed money and banks to lend is taken as obvious, both from a government side as well as a private individual side. Perhaps that's going to a legalistic extreme, but anybody that is objective and honest can see that borrowing to buy everything is prooving a lack of understanding for what we have or can afford. Our Federal Reserve monetary system which has no backing and is a gigantic ponzi-scheme, where the printing of money out of thin air has only worked to increase the wealth of non-laboring people, and further enslaved those who do labor for their wages. Former wise presidents have stated that whoever controls a nation's money control's their security. Everyone has a piece of responsibility in this problem, but only almost no one will take responsibility for it. How sad for America, but not surprising from a nation who has trust in the government to "educate" their kids in public schools, where the lessons of history are not only not taught, but have been re-written by socialists, communists, etc. How many Americans back in 2008 & 2012 during the Presidential campaign turned up their noses at what Ron Paul was saying, with the help of the communist owned mainstream media. Both Democrats and Republicans were clueless as to why Dr. Paul's centerpiece legislation was about Auditing the Fed and Ending the Federal Reserve. He has been talking about this bubble for decades, but because it hasn't completely imploded, therefore they regarded him as a "kook".