Those leanings (Wall Street calls this investor and consumer sentiment) are bordering on lethal. "Not only is the market a ticking time bomb, but so is the global economy," says Jeff Morgan, whose main credentials are an e-mail account, a brain and the eyes to see what others can't. "I'm constantly amazed at how many people are in denial. And we sure don't need to dance with Iraq anytime soon. I don't want a self-fulfilling prophecy, but people had better get their finances in order real soon because the bottom is going to fall out just like a big sink hole."

Danger: Sink hole ahead