Not all of it is in the toilet, I admit I have not be paying as much attention as I should but I now own a tiny bit of stock and the rest is in S&P and various funds, over all I'm up thanks to a couple that had big gains and the ones that did go down were less than 3% worst case.

Another way to look at losses is its only a loss if you sell, I have real estate that I bought low and should have sold during the boom and the value has softened considerably but they are still well above what I have into them so...no loss in my book.