I agree that's a problem for timid investors who hold mostly CDs. On the other hand, the stock market has nearly doubled under Obama's sure hand.

I hate to sound like I'm agreeing with Mr Disagreeable but the stock market has barely broken even for over 10 yrs. If you timed it right, yeah, mo' munna. If you buy'd-and-holded and spent on food along the way, not so good. I don't know how well a Zero stock portfolio actually did though