No one on here should be affected by this. All the bitching I have read about is from people with options that were unable to execute them when they wanted, ie they want to dance in and out of the market and try to profit off the volatility rather than simply buying and holding for the long term. Did I miss out on profits from one of the biggest markets gain days in history? No because I'm already fully invested and I just let it ride rather than time the market.