Christopher Whalen, co-founder of Institutional Risk Analytics, doesn’t expect the good times to last much longer -- especially for the big banks. Whalen thinks they’re headed for a world of trouble -- although if you follow his comments, you know he’s been saying that for at least a year. "The crisis is going to come when people realize this current GDP level… is normal," he says, referring to the economy's 2% annual growth rate last quarter. That realization will lead to a sell-off in bank stocks, he predicts. “I don’t see how they (the stocks) can go up if we have down revenues and uncertain GDP.”