Avboy, my FITX holdings are considerably larger than yours, but no less critical for me than your holdings are for you - and I'm sure that's equally true for many others on this board. I turn 66 next week, and I plan to retire next spring. Apart from Social Security and an extremely modest pension, my investment in FITX represents my entire retirement nest egg - and not just for myself, but for my wife, who is disabled. To put it bluntly, if FITX doesn't succeed, I'm screwed and so is she. The decision to invest everything in FITX was mine, not hers - so if my investment fails, she pays for it. I could tolerate the consequences for myself, but not for her. However (despite - to be honest - bouts of nervousness), I believe that FITX will succeed and succeed very well. Hang in there.