i'm fine weasy...it's not like i rode this all the way down...i made some nice gains in these accounts this spring and went back to cash....ya...i got back in tooooo early this time buTT i'm ok with that....overall, for the year i have not been hit all that bad....i feel really sorry for all those nearing retirement who don't even know how to move thier money around...they have REALLY got smacked right here before retirement....life changing losses