So says Meredith Whitney, the prominent banking analyst who tells CNBC's Maria Bartiromo that the recession will return sometime next year. Whitney expects a "W" shape, with the second dip not as bad as the first. She's really concerned about another drop in the residential real estate market (many of those loan modifications are DOA), as well as a consumer who has no ability to spend. She's also worried about what happens when the Fed tries to get out of the mortgage securitization business. Oh, and she hasn't a clue as to why stocks continue to go up on not-so-great news (the Dow gained 136 points). Aside from that, everything's great.