The market summary chart on Yahoo Finance is showing the Dow at 11,055 right now. Ouch. On CNBC today, I caught a story about a man who, due to his bank being in trouble, can only access $171,000 of his $236,000 in life savings because the FDIC doesn't actually insure all of it! While he knew the FDIC only insures deposits up to $100,000, he thought having separate accounts would get around that. It didn't. After going through the worst June since the 1930s, the first two weeks of July have not exactly been comeback rallies, especially now since investment talk in the media has turned from making greater returns to making smaller losses.