From my standpoint, I have not really seen anything in particular that management has done right or wrong. That may sound like sitting on the fence, but that's the way it is. I still believe that as Kodiak goes so does Sage.

I has been through these terrible markets before, but this is indeed a tough one. The crash of Oct 87 happened precisely 1 week after I put all my retirement savings into Investors Group Equity Mutual Funds! I took a pounding , but what was worse was having paid a 8.5% commission to buy the funds!! I had however a very good job that was unaffected by the markets. For me ,the recession was just a time when there were lots of great sales on. The markets did come back. Point is, hopefully everyone has a secure job that will see them through this rough spot. If you do , count your blessings and be extra charitable this Christmas. Ther are families that could use our help more than ever. Rico