Bear funds. Here one that has worked well for me. <A HREF="http://quicktake.morningstar.com/Fund/Snapshot.asp?Country=USA&Symbol=BEARX&hsection=" target="_new">http://quicktake.morningstar.com/Fund/Snapshot.asp?Country=USA&Symbol=BEARX&hsection=</A> The only mutual fund that I own presently. RYURX may also be worth a look. Joe