Make or break time - I see Jan 20th as a key rally point as Barack Obama brings optimism to the markets. No one would ever really trust Bush, but Barack has an almost Messianic reputation, and he's already been pitching a huge stimulus plan, plus a "bad bank" which can only help the financial services sector.

Have decided to jump in on the grounds that I think we have either reached - or are very close to - the bottom of this bear market.