I will add - the sell off in March - was a great opp for those that bought pretty much any stock. Those that freaked and sold in March realised losses that have since been made up and more in every sector but banks. I was in a corner store in March and a lady behind the counter was saying she had just sold everything in the market (at the lows) and was expecting things to get worse. Anyone that sold the lows got burned. Anyone that bought the lows - esp some stocks - made money. If you are gonna panic - Be First