re: End of Q1...DOW and S&P almost flat.

Great question...There is a number in my head that is independent, yet a part of, of our overall worth (not that it is that much) that conveys a sense of safety to me. If that number is not threatened or broached then I tend to leave things alone as what we have is pretty diversified. We have worked pretty hard the past six months to attend to matters related to finance with a particular eye on what sort of lifestyle we hope to have five years from now with not wishing to ever burden our children with our care/welfare and that thought probably drives our thinking more than any other which in turn speaks to allocation/risk exposure