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jeff gardere is a clinical psychologist and contributor to healthguru.com. ryan mack is the president of optimum capital management and rick newman is back. rick, fed chairman ben bernanke recently said that it could take four or five years to get back to where things were in terms of the unemployment rate. i think 2011's going to be the year that people who are newly unemployed are going to have a slightly easier time finding a job. but people who have been unemployed for a very long time is going to be a tough year. what do you think? >> i think you're right about that. the statistics that economists look at are almost certainly going to get better in 2011. so for some people, it's going to feel like it's their job, career, home life is getting back to normal, if you will. but we've got a huge number of people for whom life is not going to go back to normal. that's the long-term unemployed. the people who have been out of work for a long time. it's people who maybe are working in jobs that pay less or not really what they want to do. people who are in indu