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I really didn’t know what to do after the market meltdown. I am, admittedly, not a financial expert so I don’t feel qualified to give advice in times such as these. But I do feel some response is necessary so that I don’t appear to run away during hard times. For the past year or so, I have submitted a few regional banks for your approval (a la Rod Serling for those of you my age). It is very easy to be positive and come up with ideas when the market is soaring, not so