[Hugh R]

I'm not in indexes yet, But I may look into them as well. Your right Bill, while I have an MBA (20 years ago which I don't really use) I've been inattentive and trusting of my old broker. It pisses me off to no end that in the last ten years the S&P 500 has averaged about 9.9% and my accounts did much less than that. That's why I bailed on Smith Barney. They charged me over $7,000 in fees over the last five years to give me no dollar growth in my IRA. Granted things went down after 9/11, but I'm barely where I was in absolute dollars five years ago. For a while, I bought the argument that if I'd been on my own, it could have been much worse. If I'd gone to a cash position the day after 9/11, I'd have more money because I wouldn't have paid all those fees.