Hello Tom: I am the investor looking for a replacement for your "idiot wave". The v-wave chart of 10/13/08 shows about a minus 35% cash figure. I would divide the 35% by 1.5 to get the cash figure for my "Ultra" mutual fund,which would be about 23%. Is this correct? Also, since I do not plan to borrow money for my Aim, this means I would ignore the chart until it returns to positive territory. Is this also correct? Thank you for all your help.