If I may add... I really feel bad for all the ''older folks'' who invested their retirement money and no wonder trust if they'll have the time or health to enjoy it..or even perhaps pass away not knowing what the future holds around the corner and let something for their children. I have an enormous paperloss that would make several people sick but I'm lucky to still have lots of time to get it back. I hope .195 is as bad as it gets. Hang in there y'all!