Since 2000, the US has hadtwo major recessions and the both the stock and bond markets have experiencedbig drops in value.This has made investing a volatile experience.Interest rates are currently at 50 year lows so returns on short term CD's or Savings accounts are almostzero.Has all this turmoil effected your outlook on investing?Are you morecautious?Has it changed your approach to your investments or 401K accounts?