 Unemployment will increase slightly to 4.3%. It was recently reported at 4.1%. Hiring will slow more considerably, averaging 115,000 jobs added a month. That's about half of what we saw last year. Interest rates, including on mortgages, should decline. The odds of a recession are about 1 in 3, or 32%. For our personal finances, be aware of the risks and hope for the best. I'm Mark Hamrick.