i think partly is the overtime has been going away...there are a lot of people that get used to it and depend on overtime...i usually try not to depend on it and i end up ok...401 may be taking a hit, but now is the best time to be buying more stocks in it at a lower price...

i have been watching a lot of places close down, people getting laid off, its sad, but they have their head up more than the people loosing thier overtime sometimes...
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see ya on the river smile