Get your blinders off? !!! Accept the current facts?!!! Sorry buddy, but my wife and I sleep quite well at night: KNOWING THE FACTS...... And i can say- even from a green horns point of view, we both discussed the likely possibility of upswings and down swings WAY BEFORE we filled our TFSAs (and then some) as well as an exit strategy..... And, I might add, our HUB LEADERS signatures are NOT on the bottom of ANY of the NRs that I've read so far. It takes all kinds- and I have no frustrations with taking responsibility for the descisions that I make. For those of you hanging off every discussion put on the boards, take your meds, man up, and take some responsibility for YOUR own decisions .