PixyI am sorry I am lousy at putting in typewritten words what I am thinking. Hey, I am an engineer. I write terribly and over analyze everything.One last stab to make my point and I will shut up.My real concern is some people out there think the stock market is "easy" and ignore risk. I am worried there are some who have stumbled on this site and started investing in the Foolish 4. They haven't read the Motley Fool Investment Guide (or some other guide) and understand how the stock market really works. How many Fools are new at this and were not invested during 1987? Yes, I know, you read how investing is long term and events like that should not concern you. But reading and experiencing is 2 different things. I am much better off today going through that experience and not panicing. But if some are investing without spending some time studying, they may panic in the end.Past performance does not guarantee future returns. I am afraid some only have experience with the recent bull market. (OK, I am an alarmist)I agree with you that investing is intensely personal. So lets get back to investing and have some fun.Fool on!