Here we go again .   The S&P 500 is at 3,636 in the Futures ( /ES ) and, when we tested 3,640 earlier this month, we were harshly rejected with a 120-point (3.3%) drop but we quickly recovered – and then we quickly dropped again – but now we've quickly recovered, so let's all enjoy the pundits telling us how this rally is sustainable (this time). Apple (AAPL) is down from $137 to $116 since early September and that's down 15% so it's actually very impressive that the Dow, S&P and Nasdaq have all held up well while their leader declined.  It means people are putting money into relatively "bargain" stocks and that can put an underlying floor on the market we can build off. Nonetheless, we went a lot deeper into CASH!!! in our Member Portfolios because it simply isn't worth the risk since we still don't know if Trump will willingly leave the White House and we don't know if there will be stimulus and we don't know if the virus will stop peaking (    ) and we don't know if Black Friday will be a bust – too many unknowns to risk an overvalued market…. The US now has 90,000 people actively in the hospital with Covid-19 and 110,000 new cases were reported yesterday so there's no end in site as we approach the limits of our medical capacity to treat people.  Thanksgiving itself could become a super-spreader event as 50M Americans (20% of the population) ignored the CDC and traveled for the holidays and 1,200 people are no longer thankful as the death toll climbs to 263,000 since March.   IN PROGRESS