Yes I am new here. I'm still in nappies and taking punches left and right! I was feeling chuffed at increasing my meagre investments 15% over the last month only to see it go down to about 1% with one BAD call (but I'm still in front says the suffering, everhopeful wife). However, even as a newcomer I can see merit in some of the dire predictions posted. I think this is one time when we can't discount anything!