LOL Penny. Your "yoda-ness" is coming out again. You know yesterday I heard that Los Angelas Pension fund lost 80 MILLION in retirement money for their employees cause they had a ton of real estate investment trusts and cmo's that are now gone. You can't hide from it ! Many people are suffering,, and rumor has it unemployement is going to 9%. I tell you what...power by numbers. Stay with the pack as Cesar Milan says!