Well, hindsight is 20/20, Amos. It dipped a year ago, then came back (prime time to sell, if you were gonna), then really hit the skids. I'm convinced that much of the volatility is driven by at-home internet day-traders who care nothing about long-term investing, but are sitting by the computer with finger on mouse button, waiting for a trend to start...recipe for disaster!

I am stting tight, although at 51, my longterm outlook for investments is a bit shorter than it once was. Still about 5 years before Erin would start college.