Fishsurfer- Thank You. We'd encourage you not to give up. There are times like this past week when it feels like we're in fourth grade. Not the market, that was no problem, it was individual stocks behaving badly and trying to figure out what to do...if anything. Tried hard to make the right decisions, weighted the pro's and con's as best we possibly could and ended up not making the right decisions and lost money. Sucks. A real bugger of a game some times. For you, maybe step back a bit and think about what would suit you best. Maybe it is a few sector ETFs you think will do well for a few months or a few years and hold them. Maybe it's who knows what [expand the range of possibilities] but gain some perspective and try to figure out what would be best for you. We know...even that is not easy. Let us know if and how we may help in the future. Fabian