What is this.............."ask fletch"? LOL Does the buck stop with me..... :>)?? OK......OK........my shoulders can take it..... I can see charts that look good...but I'm also guilty of buying at the wrong time too.... My funds are way up YTD, Fletch Did this one find a place to wipe it's ass..tek............sending in more (10K) Roth IRA funds now... :>)