Remember those investments back in college where someone would ask you to invest in a pyramid and once you where able to find a certain number of people to invest below you, you would move up the pyramid. Eventually, if you got in the pyramid at the right time, you would move to the top and get paid by everyone at the bottom. Inevitably, the pyramid would crumble and all the investors that never made it to the top would lose their investment. The market feels like one of those pyramids. While the shrewd investors and insiders cashed out at or near the top, everyone else is left holding the bag. Just like the 90's had a huge melt up, the 00's is having a HUGE melt down. The snowball affect is causing stocks to crumble. Does anyone have a guess or a good reason why the snowball should stop anytime soon?