Hi KTC,
I have zero confidence in the market, because 'rules' mean nothing to them.
They just bait & switch...
Unless they reinstate glass-steagall I wouldn't invest again. I've been out for years, just watch to see where the country is headed & keep my fingers crossed for the retail folks.
I wish I could get a fair interest rate on my savings, but at least I'm not risking in the market. A bird in the hand theory.
The bright side commodities are lower, gas is at $3.29, amazing & I wouldn't be surprised if it goes below 3.00. That's the only way I see regular folks getting a break!

DO SOMETHING!