 When the S&P is negative, its average down is 12.7. Okay, but if you put those two numbers together... We get an average return of 8.5. Not so bad. So that goes back to the rule of 72 we talked about two weeks ago. Take 72 divided by 8, we'll drop the .5 off there. Tells me your money's going to double every nine years using the rule of 72. But why did I bring this up?