Greg, I've been around a long time. Lived through the 87' crash, I remember how I felt when the DOW pushed through 3000 for the first time, the dot-com bust, and 08 (that one was easy to see coming), and you are right, gen-pop has no idea what is right around the corner. All they see is 'Market Going Up - Lets get In!' But it should also be said "A fool and his money is soon parted" but will anyone listen? No, they will not, just like before. Same movie, different audience