O.K., I know it's had it's ups and downs, but the S&P is trading in a range about where it was June of '99. I think best case the dividends are cancelled out by inflation, does this mean in real terms it's had 0% return for the last 9 years, or am I missing something? How does this compare to the bad times in the 60's and 70's? How are those of you who are retired doing, how's the portfolio balance? NASDAQ looks flat for that time period, too, although Russell 2000 is up a decent amount.