I'm expecting the Dow to drop another 400 points today.... based on drops of the markets in Japan and Hong Kong. Europe is also seeing a free fall. Yesterday experts were saying if you need the money in the next 5 years get out now. I don't expect to see the DJI to go above 14,000 for another 7 years. I'm glad that I only have a small percentage in Mutual Funds. I wish I had never bought Wamu. I also wish I had sold last year when I was telling everyone else to get out. You live and learn.... but I don't plan to retire for another 20 years so I am hopeful.