IIRC, a general investment in an S&P fund has outperformed most
    other funds over the last 10 years.

Yes, over the last 10 years.  But I think of my father.  During his
lifetime, there was one period when the stock market was down for 20
years and another when it was down for more than 10 years.

-- 
    Robert J. Chassell                         
    [EMAIL PROTECTED]                         GnuPG Key ID: 004B4AC8
    http://www.rattlesnake.com                  http://www.teak.cc
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