Here we go again.  Another down day in the market.  I just can't take it.  One year from now it will look really good.  I hope to still be in the industry.  It is so hard to make money because if you are an ethical advisor your clients do not have much to invest in.  So we just have to hang in there.  The insurance companies are cutting the product lines available to the public and they are cutting the commissions on the old products as well.  It is hard.