It is obvious to everyone that the financial crisis of the last several weeks and months, and the intensifying bear market, has taken its toll on investors as they have seen their investments shrink with the declines in the global markets. It is painful and investors are understandably concerned about what has happened and wondering what lies ahead. In spite of the millions of words that have been uttered in the media and elsewhere, no one knows when and how this turmoil will play out. These events are unprecedented and have resulted in scenarios few could have imagined. Nevertheless, I believe the economy and our financial markets will recover. The economy is much more resilient than some of the commentary would have you believe.