she's hilary kramer, editor of gamechangerstocks.com. >> tom: happy new year to you, hillary? >> thaufrk, and to you, tom. >> tom: talk about bonds. this has been a big winter for investors. exchange traded fund dlt the ticker symbol is close to the highs. you think there's a bubble here. why? >> well, the united states economy, although it might not feel like it to those who are underemployed, has strengthened. the consumer, a lot of economic data. and in order to maintain credibility, there's just no way that quantitative easing can continue. the u.s. has to stop issuing all thf credit out there. therefore, we'll see bond yields start to rise, and of course, we're going to see the price of bonds drop. >> tom: with that in mind, you look at the broad market, pretty much where we began the year for the s&p 500. where do you think we wind up a yeerp from now? >> i'm ambitious. i have over a 20% plus projection in my predictions for 2012 that we're going to be at 1500 on the s&p. tell be the year of the market. 12 very lean tough years for those that have been investing. >> tom: