Crash, yes I'm aware of all that. Trying to get ones head around thinking REAL long term say 10 years is very difficult, as you say in that time frame you would probably have losing years depending on where the line is drawn ie. Jan1st-31st Dec etc etc. I've already had periods where I was literally treading water for months on end, but can handle that now. As I've said before if you've had a few winning years before dipping a bit it is bearable, but what if you start with a losing year,????........... ooow!