Recessions and bear markets can be very trying times for all of us, giving rise to a number of strong emotions. Foremost are feelings of fear and regret, as the market values of all assets and investments, including homes, decrease. Your first instinct may be to liquidate and cut off further losses. However, if the assets are good quality and you don’t need the cash, one should be loath to sell when prices are so severely depressed. Unfortunately, that is what the majority does most of the time, buy high and sell low. We are confident that this crisis will come to an end and that there will be a strong stock market recovery. While we do not know exactly when, we believe it is inevitable and is coming sooner than commonly expected.