because I haven't taken on any new clients, except a referral, for 5-10 years. My clients have been through this all and the problem I have quite frankly is talking them into letting this thing settle before they put more in.

E-mail is great. I get my feelings out to everyone. Back in October '87 I only slept 2 hours a night for about a week.

I did learn a valuable lesson, at least for me. Have your client in a portion of cash all the time. Much easier to talk a person who has some cash, even as low as 5%, into leaving their invested funds in.