YTD, I am as disappointed as most people here...

Portfolio is down about 8.5%. But this is really not the end of the world, and sky is not really falling - as we know. It's just that the snowball is getting bigger and bigger, and there is so much fear in the market right now everywhere. At the end, I think this is more like the 1998 crisis then the 2000-2002 slump. And even if it's a '00/02 slump, we'll come back eventually - it's just that the ride back is a painful and frustrating one.