Because $100K isn't enough to fund a retirement. It's still a pretty steep loss. I guess, using your criteria, it's a piffle. I just don't understand where you are coming from. It's frustrating -- I don't know of you are being willfully obtuse and yanking my chain, or if you truly just don't get it.Let me try to explain it another way.Scratch that. If you don't get that a difference of $50,000 in somebody's net worth when they retire is not going to make any difference in their life-style, then it's just wasting my time. Life's too short.