Floydbird, your quote is really what I feel like I should be doing now is buying because everyone else is selling and running scared. And so I am. And not that I'm timing the market exactly, but now seems to be a pretty good time, right???
Led Zep, thanks for your words. Also,
nice name. 
Lastly, and I feel like I'll take abuse for this; I know I don't pay the financial planner people directly. I know they get paid through American Funds
somehow. I asked them once, and it made a little sense, but not much.
Anyways, my check should be posting to my IRA account early next week.
Best to all,