I am talking to more and more people who are still very skeptical about this market. They are people who have sold at the worst time, hold on in despair or have tried to trade and get in and out of stocks at the "right" time. My conclusion is that the average person is totally scared and confused. Many will not trust the markets the same way ever again. Some will come back at the worst time. Fear and greed will always play a significant role in the stock market.