always apprceciate your take on things. As far as the big picture, I'd have to go with the market goin in a down direction since it seems to have reached maximum highs a number of times without another big leg up. Possibly just one news story or big bank error away from a major move. But just for discussion and just my humble thoughts. Knowing that I had a Series 6 security license for a while, I have had 3 or 4 relatives or friends ask me about what to with their 401(k). I don't speak in black and white or absolutes, but I have suggested putting a small amount in cash or cash equivalents and, when it is available, 10% in precious metal mining stocks. Anyway, thanks again for your contributions.