Hi TJ: I've always thought that most of us are traders; only the time frame is different. Investors took a tough bath from 2000 to March 2003. This is anecdotal, but I've spoken with folks who've seen their portfolios drop 70-90%; their 401K's and IRA's as much, and their spirits lower still. Youngens have time; those not so young, nearing retirement, have a bit of a problem. Maybe a big problem.