I hope you won’t take it the wrong way if I say that I hope you’re feeling bad about how the market is acting. It’s nothing personal, and I certainly hope you’ve been following our advice and have the growth portion of your portfolio heavily in cash. I hate to see anyone (including myself) losing money in the market. My hope that the market depresses you just reflects the reality of what it takes for a bear market to turn itself around, which is for a vast majority of investors to get discouraged and sell out. This is a...