WASHINGTON—With the DOW closing just above 7,850 on Friday, economists are predicting that the worst has yet to come. A mortgage crisis, depreciation of the dollar, and a failed economic policy by the Bush administration are largely to blame for tough economic conditions. With companies forced to cut down on spending, laying off workers was inevitable. Unemployment has reached its highest rate in years, 7.6%, that according to the United States Department of Labor. Spokesman for the Department of Labor,