With more banks coming to a close, 107 to date, with a possible over 400 that the goverment has an eye on, IMO its time to start backing off and building cash balance. Until unemployment is addressed and a plan is started the economy will fall back into a decline. The last week I have noticed that the stocks that has had a 20% decline (more or less) usally rebounds some what, they have not been but keep declining, which means the money is not going back into on the dips. My opionion, but i am saying be more careful. Good Luck