Investors are hoping, as I do, that there won't be another '08 financial crash in the near future.  But I think the crashes will continue.  Conditions haven't really changed since '08-'09.  What did we learn from the 1929 crash or any of the crashes up to '08, '14, '15 . The "little earthquakes" are getting closer together. The Dodd Frank Wall Street Reform and Consumer Protection Act signed and enacted in 2010 is being re-visited, and will likely be watered down to allow additional costs on consumer related transactions.