that you see no hope for any stability or gain. Is that corect? If so, IYHO, should we just take our licks and get out? Just read a neat article by Paul Sturm in the Feb. issue of Smart Money. He advocates CE municipal bond funds because of their deep discount. One, a high quality, insured...is paying a taxable equivalent of 9%. Thanks for your thoughtful replies. I have just started using the net and have discovered the Dividend History feature in Yahoo. If I had had that at the time I bought FAX, and seen the declining dividends, I would not have bought.