I'd go with this also.

Wolves are pulling all their loanees back as I assume they will try to shore things up without blowing the budget in the January window. Have to see if that works for them.
Also, West Ham and Everton can usually pull it off based just on their spend so should just stay up but barely.

Success will lie to you but failure always tells you the truth.

Yes, this is the crux of it and about this time when boards start to get the urge for change before it's too late. Like Watford last season actually, left it far too late.

Everton and Lampard in particular are in a spot of bother.....

If memory serves, Watford were in a position whereby they needed wins to escape the bottom three, an almost impossible task as they were leaking goals at a steady rate whilst not scoring themselves either. Roy couldn't fix both problems, and although they became a little more efficient basically they were a poor side pretty much doomed. And we see the same now with those clubs with a heavy goals against tally.

I shall reserve judgement until the end of the transfer window.

Recent results have been going our way with the pack below us (Villa apart) losing.

Our next 4 games will be a tough test and anything over 3pts would be a bit of a bonus. But 0pts is a distinct possibility.

I have now sufficient funds to last me the rest of my life. Provided I don't buy anything.