Dow was up 416 points to cover all prior 4 days loss due to Uncle Sam announced that Federal Reserve shall inject 200 billion into banking system. It's good for the US (and at least Taiwan) markets temporarily. This is like giving 500 mg Viagra to a 80 years old man which would keep him happy (if he is not dying of overdose), but the root problem is still there. What's the next step? My prediction is that Mr. Bernanke (Chairman of Federal Reserve) will cut another 3 points before end of this month. I definitely need to sell some shares on Thursday, if this so called "Sudden Christmas" can last for two more days. The share price for every large bank is on sale now. if you do averaging down or so called "Dollar Cost Averaging" and all you need to do is sit tight and enjoy the fruitful harvest after 12 months. This is just my 2 cents after I paid a huge tuition to learn.