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Excellent, Andy. It so happens I had finished ready his book last month. Their story sounds so much like mine on spotting the bear and the current rally I feel like I've found kindred spirits. We were out by late October-November, 2007. Got 100% of our allocations in bonds in June and have dollar cost averaged into equities since then and scheduled to end in May, 2010 unless we see we need to get out soone. -- Bill Garrett