I remember that. It caught me off guard after that crazy everything-goes-up period, a.k.a just-go-long. But for me, that's when I started learning, or rather learning wrong, the markets. So it took me these few years to adjust to a more normal environment. Starting back in 98 could really mess with your head. Glad you are still here to learn from. It was expensive for me, but I'll get back in eventually with a better understanding.