 Every day you would wake up and be on a higher floor. In fact, your retirement money was probably doing so well that you didn't even pay attention to what floor you were on. But then, all of a sudden, you felt a sinking feeling. You know what I mean. We have all felt it. When your elevator is going down and it's supposed to be going up, it's not a good feeling anybody likes. It's kind of like the unexpected turbulence on your airplane flight.