Dow Jones Industrial Average closed under 13,000 yesterday.  Does this signal the beginning of a free fall or is it temporary?  My guess is with the upcoming options expiration on Friday and dropping under the 13,000 psychological level, we’ll see 12,000 within a couple of weeks.  If that were to occur, I would think the Fed would have no choice but to cut rates or shift their focus from inflation to housing/financials.  I’m curious what you think.  Are things as bad as they seem or is this just a temporary correction?