Moody's is out with their latest forecast, and it looks like they've got unemployment going up a bit before it comes down; and even then, it's still elevated by year's end well into the 8 percent range. Like most forecasts right now, Moody's assumes that the payroll tax holiday will be continued next year. That's built into their forecast. But there's no guarantee that Congress won't let it expire, sending unemployment up even more. It's way past time to stop inflicting wounds on ourselves. Keeping safety net measures in the economy next year, as the president has called for, is the least we can do.