So if you have a privately funded retirement account (s), and not some guaranteed return forever, no risk PERS or Fed system, you likely got your azz kicked real hard today. Our portfolio has taken a huge hit in 2015 and going in today. I am back on an hourly monitoring and we have NO INTERNATIONAL exposure at all. We completely cleared that exposure in September. If a bad day on the Chinese stock market kicks our azz with just domestic holdings, then my risk aversion just went through the roof. I am ready to figure a way out of this, but these are IRA holdings. My finance guy probably got slammed with e mails, and I will probably hear from him about 0200 tomorrow. The US financial system is completely corrupt and dysfunctional. You combine this with the upcoming state economic implosion coming in Oregon, and it looks bad. We busted azz to get what we got, and I see it going away. Need to stop the bleeding.