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Overview <br />The recession may well be over, but the toll has been horrific <br />? <br />Employment continues to fall and unemployment to grow <br />? <br />The recovery will likely be slow as unemployed workers try to <br />? <br />find jobs and consumers struggle to get their finances in order <br />Major risk to the outlook: <br />? <br />Another wave of less-than-prime adjustable-rate mortgages <br />? <br />will reset between 2010 and 2012 <br />Source: ABAG January 26, 2010 Forecast <br />3 <br />