I understand...but not being a trader...I have built a nice value just by getting in at good times...and hanging in there through all the panic cycles...this one is hard to ride out...portfolio has declined 36% form its high...have decided not to commit more funds since when all said and done...who can really say if this survives as set up currently? Meanwhile I will hold onto what I have as still am a believer in the concept and not a believer in dollar based assets long term...