Prognostications for the New Year are governed here by Peter Drucker's law: "Nobody can predict the future. The idea is to keep a firm grasp of the present."
Deal. Attitude first, then the particulars.
Last year opened with panic, and all year long we looked over our shoulders for its return. Instead, we should go into 2010 with curiosity, not foreboding. Next year may not turn out terribly well, but that panic of '08-'09 -- the fire sales and the systemic runs -- that was a once-in-multi-generations affair.