Strat, There is nothing particulariy wrong with "the market". It is the unscupulous greed that surrounds and infiltrates it that is wrong and the fact that the agencies that are there to oversee and protect the average investor have turned a blind eye. They are the other side of the problem and are controlled by these same greedy banker types and the new fangled ways of stealing from the poor. It's like everything else from 30 + yrs ago. If it was any good the way it was it's gone. The world, as we can see everywhere, is on the brink of some very nasty times due to this nonsense. the deputy