Some very good points in this thread. I think it's still a risk to invest for short term. But the risk is lowered by the potential of citi to go back up long term. I mean if I go into citi it's cause I want gains in the short term and I still don't think they'll go under so even if it dips back down I believe that in the long run it will rise up again. I don't need liquidity right now so I can afford to leave it in for 5 years I would just rather not.