Good morning Strongman! is the weather any better there? I would also advise people to clean out their IRA's! Most people of the USA middle class, who own their homes, either lost their homes(savings) or they lost one half to one third the value of their homes. What happened to me, I lost approx twenty years of savings due to devaluation of my home, my home was my savings acct. I still have it, but it is worth half of what I spent to buy it, an make payments for almost 15 years now. It is money, poof gone.