2008! Need I say more?! Okay! I lost 40% of my investments in so called modest risk mutual funds. I played by the rules so I could have a "comfortable retirement"! Geez, I didn't realize that the Wall Street gamblers played by their own rules! I want their hands tied to their balls and venture capitalists should be separated from the "mom & pop" investors and banks! They wanna play Russian roulette with their own and their high stakes gambling friends?! Have at it! Leave us poor, ignorant folks out of the scenario!