Even though the Dow recovered today nearly all the losses it took earlier in the week, I am still more than $6K down from the high I had at the beginning of July, when last contribution to my Nortel 401k was made. The Shared Tech 401k wasn't doing much better since I've been contributing starting July 1st, when all the stocks were at their high. But on the Shared Tech account, contributions have been continuously made so I hope stocks were bought while they were low on Monday. All is for long term. I still have 39 years before having to deal with forced distribution at 70 and 1/2.