Market as a whole going down (ie.. interest rise, bond down, federal and trade deficit, etc..) Small investor going out of market for good. My retirement fund was on cash (money market and guarantee fund with certain interest, etc..). Lucky that they did not allow me to put money on any one stock. I am too optimistic with IDCC that why I am in a deep hole. What can I say?. IDCC is my last holding. Hopefully to be able to get out some portion of it with winning after Nokia resolution. This make me feel as gamble instead of investing.