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David A. RosenbergJune 19, 2009
 Chief Economist & Strategist Economics Commentarydrosenberg@gluskinsheff.com+ 1 416 681 8919
 
MARKET MUSINGS & DATA DECIPHERING
Breakfast with Dave — A Snapshot
DAVE IS ON VACATION AFTER TODAY AND WILL JOIN YOU AGAIN FORBREAKFAST ON JUNE 29. TILL THEN.WHILE YOU WERE SLEEPINGIN THIS ISSUE
It seems that it’s toomuch effort for themarkets or for mosteconomists to dig beneath the surface in most of  these economic reportsWhere are the roots for the next cycle?Our thoughts on corporatebond spreads• A rudderless leader?Keep in mind that while the LEI was impressive,both months had adiffusion index of 70%• Philly cheese steak. Yes, the Philly Fed indeximproved dramatically inJune, but beneath theveneer, only 30% of respondents stated thatconditions improvedMarket led by multiple.Forward P/E ratio for theS&P 500 is at 14.5x and trailing P/E has expandedfrom 17.0x to 23.3x now
Risk appetite picks up:
Equities are firm in Europe and Asia today and U.S.futures are flashing green. In FX, the Yen is slipping and commodity currenciesare firming again — essentially confirming the up-move in equities. Governmentbond yields are also higher, up one beep here and across the pond. Libor/OISspreads are narrowing. On the data front, German PPI was flat in May and down3.6% on a YoY basis, the steepest deflation rate in 22 years.
Lower bond yieldsare a good thing:
Courtesy of the bond vigilantes taking a respite, the rate on the 30-year fixed mortgage fell 21bps last week to 5.38%.
Delinquency ratesstill rising sharply:
This is not particularly the case in the U.S. multi-familysector where defaulted apartment loans backed by CMBS broke above 5.0% inMay while the default rate for retail/lodging pierced the 3.0% threshold.
WHERE ARE THE ROOTS FOR THE NEXT CYCLE?
While many investors are consumed with the rapid expansion of the Fed’sbalance sheet and money supply, the ongoing contraction of the householdbalance sheet is a far more pronounced event that renders deflationary risks themore predominant near-term risk. This may not be any more evident now than itwas in the reflation days of early 2002 when government stimulus also ranrampant, but we believe that the second half of the year will have shown moredefensive and income-oriented strategies to have carried the day as it did back then.Post-credit collapse and asset deflation cycles are always gripped with fragility; the intermittent beta-trades and flashy rallies only serve to tell us that nothing moves in a straight line. From our lens, the stock market is only really back to the levels of last October when Warren Buffet was telling everyone to buyequities in the op-ed section of the New York Times. The reality is that the rallyreally looks fatigued even with yesterday’s bounce — the S&P 500 has made noheadway at all since the very beginning of May.
THOUGHTS ON CORPORATE SPREADS
Chart 1 is a bar chart of Baa corporate spreads comparing where we are(374bps) to where we were (611bps at the end of last year) as well as to otherperiods of intense economic, financial and geopolitical strains. To be sure,corporate spreads have come in a long way from their nearby crisis highs butlooking at prior peaks around major events and economic downturns, it doesappear as though there is still a lot of very bad news priced into the sector.
Please see important disclosures at the end of this document.
Gluskin Sheff + Associates Inc.is one of Canada’s pre-eminent wealth management firms. Founded in 1984 and focused primarily on high net worth private clients, we are dedicated to meeting the needs of our clients by delivering strong, risk-adjusted returns together with the highestlevel of personalized client service. For more information or to subscribe to Gluskin Sheff economic reports
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visit www.gluskinsheff.com
 
 
June 19, 2009
– BREAKFAST WITH DAVE
 CHART 1: CORPORATE SPREADS — WHERE THEY STACK UP AGAINST PRIOR PEAKS
United States: Baa Corporate Spreads (basis points)
7243811133152214133293772682391801752773063533906113741932: Great Depression1937-38: Relapse1962: Cuban Missile Crisis1970: Recession1973: OPEC Embargo1975: Recession/Inflation Scare1980-81: Recession/Latam Crisis1982: Penn Square Bank Failure1987: Stock Market Collapse1990-91: Recession/Real Estate Crisis1995: Tequila Crisis1997: Asian Crisis1998: LTCM Crisis2001: Tech Wreck2001: 9/11 Terrorist Attacks2002: Enron / WorldCom Crisis2008: Credit CollapseCurrent
Source: Haver Analytics, Gluskin Sheff 
MARKET LED BY MULTIPLE
The notion that we had moved to Armageddon lows in equities does not seem tohold water. After all, the forward P/E multiple on the S&P 500 at the lows was11.7x. That was not a multi-decade low or some massive standard-deviationfigure — we were actually lower than that at the October 1990 lows when themultiple was 10.5x and frankly, coming off the 1987 collapse, the forward P/Ehad compressed to 9.8x. As it now stands, the multiple is back very close towhere it was at the October 2007 market high when the multiple had expanded to 15.0x. The range on the forward P/E over the last quarter-century is between9.8x and 21.8x (excluding the tech bubble), so at 14.5x currently, it is hardly thecase that this market can be viewed as a bargain.On a trailing earnings basis, the P/E multiple has actually widened, from 17.0xat the lows to 23.3x currently, a huge multiple expansion. At this stage of the2003 recovery, the multiple hardly expanded at all, earnings were driving therebound; coming off the October 1990 lows, the multiple expansion four monthsinto the rally was closer to 2x; and the powerful surge in the post-1982 recoverysaw a 3x multiple point expansion at this juncture — not 6x!
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June 19, 2009
– BREAKFAST WITH DAVE
 ABOUT US
Gluskin Sheff at a Glance
Our mission is to be the pre-eminent wealth management firm inCanada serving high net worth investors
PRIVATE CLIENT FOCUS
Gluskin Sheff is an independent wealthmanagement firm focused primarily onhigh net worth private clients, including entrepreneurs, professionals, family trusts, private charitable foundations andestates. We also benefit from businessrelationships with a number of institutional investors.
OUR PEOPLE
At Gluskin Sheff, having the best peopleallows us to deliver strong investmentperformance and the highest level of client service. Our professionals possess the experience, dedication and talent tomeet the individual needs of our clients.
RISK MANAGEMENT
Our unique dual risk managementapproach focuses on meeting the needsof our clients by preserving their capital,managing risk and delivering strong long- term investment returns through variouseconomic and market cycles.
PERFORMANCE
Gluskin Sheff has a 24-year track recordof solid investment performance. Clientsinvesting in our GS+A Value Portfoliofrom inception (January 1, 1991) haveachieved a total net return of 773.8% toMay 31, 2009, outperforming the379.1% return of the S&P/TSX TotalReturn Index over the same period. Ourother longer-term investment modelsalso have impressive performancerecords.
CLIENT SERVICE
At Gluskin Sheff, our clients are our mostimportant asset. Serving them is a corevalue maintained throughout theCompany. Clients receive individualattention and investment advicecustomized to their specific investmentobjectives and risk profile.
INVESTMENT PHILOSOPHY 
Our investment decisions are based on“bottom-up” research that looks forcompanies with a history of long-termgrowth and stability, a proven trackrecord, shareholder-minded managementand a share price below our estimate of intrinsic value.
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