It took me a lot of candle light power to study and figure out - but I don't know how if you ask me now how I did it - before the meltdown I was making a positive returns on all my investments, then the DOW went tailspin and my portfolio went wako and bellyup. I noticed that when DOW is up holdings becomes positive, when the DOW is down I am down too. Since the start of the meltdown this year I am down by about 30-35 percent.

It will take a long while to recoup what I have lost so far - but I don't worry about them - being retired and maybe retard, I bought am investment into a dealing school in Las Vegas - my invested cash, the cash was a perfect withdrawal that saves me from the Wall Street debacle. Iam very happy going to school to teach.

How is your business affected by the present crisis? I hope that you and Terry are in the best of shape to weather this storm which will be with us for a year or so. Personally I am braced tight but comfortable and snuggly ready for the next blow with the big 3 problem. If they close and there is no solution I will loss "a" plenty.

Have a nice and a great day Bob.

Leonidas