Why would it dip below 20? You think the economy with all this free money being floating around will stop? Once they figure out the fiscal cliff nonsense, more money will float around. You need a defensive position that will also diversify your portfolio. GG and other maybe be a good option, but not your only option. I'm not worried about GG and gold, I'm worried about getting our financial house in order and Congress ability to compromise and not let the extremists in gov't thrive and set policy.