last year i was really scared about the financial crisis and thought i would have lost everything.i said things that were pretty off the mark. Come to find out, because i had low risk investment, i didn"t lose as much as i had thought. it was because of the steady and calm reasoning of my investor from UBS that i was to maintain reasonable security. He had the foresight to hold on and not make hasty decisions. He was able to help me through this and for that i am thankful.