What kind of president would McCain be?

And although neither candidate wants to talk about it, the financial crisis surely will narrow the next president's possibilities.

"This financial crisis may just have pulled the rug out from under any meaningful honeymoon, when a president tries to identify his top priorities and exploit the honeymoon period," said Steven Smith, a political science professor at Washington University in St. Louis. Instead, Smith said, "A major part of the next president's first State of the Union address will be how we proceed after getting through the first stages of this crisis. ... There are going to be pretty massive restraints on new initiatives."

Even McCain's promises to cut government spending would be tougher to fulfill because of the economic mess, Smith said, because "it doesn't make a lot of sense economically, when we might be headed into a recession, to radically reduce the federal deficit."

McCain himself has acknowledged that the economy is not his strong suit, meaning he'd have to rely heavily on his staff and Cabinet.

McCain is more comfortable dealing with foreign policy than domestic affairs, and he'd have a freer hand there. The former Vietnam prisoner of war, and son and grandson of admirals, eagerly claims the credentials to serve as commander in chief. He refuses to set a timetable for withdrawing U.S. troops from Iraq, and pledges unspecified troop increases in Afghanistan.

For all his years in the public eye, the 72-year-old McCain, a four-term senator, has had little in the way of executive experience, making it harder to predict his governing style.

Calvin Mackenzie, a Colby College professor who has written a paper about predicting presidential performance, says McCain could be expected to take a strong stand on a few symbolic issues and willingly delegate other major policy matters.

Despite McCain's many campaign promises, says Mackenzie, "I can see a presidency like Eisenhower's, a sort of senior statesman capping his career as president without much of an agenda to do anything and not pushing very far on policy initiatives."

Mackenzie predicts McCain would be afflicted with the same malady as Richard Nixon, who savored foreign policy but was less interested in the budget and other domestic matters, a disease known as MEGO, short for My Eyes Glaze Over.

"I think we'd see a lot of that with McCain," he said.

Video Did McCain’s negativity hurt him? Oct. 19: MSNBC’s Pat Buchanan and Salon.com’s Joan Walsh talk with Chris Matthews about John McCain’s negative campaigning and Colin Powell’s decision to endorse Barack Obama. Hardball

One thing that can be predicted with confidence is McCain's unpredictability — he's gone out of his way to do the unexpected.

"I can imagine McCain, on one issue or another, trying to come up with surprise agreements," says Smith. That could help McCain set the agenda in a way that makes it difficult for opponents to take it in a different direction.

McCain also can be sure to show at least flashes of his famous temper.

That can be used to dramatic effect, to underscore one's resolve. But it can also backfire.

"I think members of Congress won't like that style in the White House," said West. "That will make it more difficult for him to bargain and negotiate with members of Congress. I mean, they don't like getting yelled at."

And given McCain's advanced age, speculation would be strong from Day One about whether he'd seek re-election. That could portend an even more independent Senate, with lots of jockeying by potential presidential candidates for 2012.

Much has been made of McCain's selection of Sarah Palin as a running mate, and questions have been asked about her qualifications to serve as vice president.

Palin says she and McCain have identified three areas where she would take the lead: promoting energy independence, reform of government overall and working with families who have children with special needs. Those fit with Palin's background: As Alaska's governor, Palin has dealt with a variety of oil and gas issues, and has pushed for government reforms. She also has a six-month-old child, Trig, with Down Syndrome.

Smith envisions McCain working with Palin in a way that is akin to how the first President George H. W. Bush used Vice President Dan Quayle — delegating broad responsibility in a few specific areas rather than relying on the vice president to serve as an all-purpose adviser in the style of vice presidents Dick Cheney or Al Gore.

That means McCain could end up leaning more heavily on his secretaries of State and Defense. He has promised to include Democrats in his Cabinet, and his friend Sen. Joe Lieberman, a Democrat-turned-independent, also has been the subject of speculation for a Cabinet slot.

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