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Do you still remember December of 2018? Market returns were the worst for a December in more than 80 years! On Christmas Eve of 2018, the downturn in the U.S. intensified in a particularly unnerving fashion. At the intraday low on that day, the U.S. market had declined by 20% - the level generally identified as a "bear market." As sometimes happens, however, that day's mini-collapse squeezed the last bit of selling pressure out of the down-cycle, setting the stage for a robust rally in 2019. Technology stocks and more defensive sectors