….. 3Q recap. Deutsche Bank hits lows – and then a rumor of a cheap settlement with DOJ. Euro banks still look ugly and DB is one of the worst. Consumer sentiment up. Consumer spending down. EU approves Paris Climate Accord – it’s a done deal. Yellen says Fed might start buying corporate bonds and stocks (vintage wine and baseball cards?) Financial Review by Sinclair Noe for 09-30-2016 DOW + 164 = 18,308 SPX + 17 = 2168 NAS  + 42 = 5312 10 Y + .05 = 1.61% OIL + .16 = 47.99 GOLD – 4.00 = 1316.90   We end the month of September and the end of the third quarter, so let’s start today with a recap of the markets. Dow Industrial Average lost about 0.5% for the month of September; gained 2.1% for the third quarter; up 5% year to date. The S&P 500 is down just a fraction, a couple of points for September; up 3.3% for the third quarter; up 6% year to date. The Nasdaq Composite was up 1.8% for September; up 9.7% for the third quarter (it hit a low around the end of June); and up 4% year to date. Oil prices have been all over the board this year. Light sweet crude started the year around $43 a barrel; dropped into the low $30s; moved above $53 a barrel, and today, not a big change from the start of the year.   OPEC’s oil output is likely to reach its ...