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Fritz always accentuate the positives and that in itself is OK. But if we could draw a picture from our day to day market negatives and tie them to the positives Fritz points out it would be more productive for us in real time. Long term investing, yes we all get that. But we deal with the day to day reality of volatility, the fear that presents to a retired persons portfolio. How do we get from very relevant graphs from the Federal Reserve to what Mrs. Jones is worried about.