David Collum, an old friend of this podcast, is the Betty R. Miller Professor of Chemistry at Cornell University... but he may be better known these days as a wicked funny commentator on the financial scene. He writes an annual end-of-year wrap-up and forecast, which I interrupted him working on when I hauled him over to Skype to yak about the current situation. There's some weird Skype background noise a couple of places in the recording -- like the Exorcist working over a couple of demons-from-hell in an elevator shaft. It doesn't last more than a minute or two, so hang in there. There are apparently strange forces in the Skype-o-verse.