Wow, my 401K made a whopping 3.00% last year. And in the first two weeks of this year that tiny profit has already been wiped out. Thanks, all you portfolio managers and the like. Bonuses all round.

But it's the market....

Right, funny how it's not the market but your expertise and brilliance when things are going so well that any chump with a laptop and nice shoes can make a killing but as soon as it all goes downhill it's the all-powerful, self-correcting market at work and we must all genuflect before its godlike perfection.