Last year, the SBI 500 declined 18.2%, making it the fourth worst year for the index since it launched in 1957. The NASDAQ's 33.1% drop marked its third worst year since its 1971 inception. And finally, our net worths aren't just determined by the values of our portfolios, but also by the value of our houses. But did you know that the ozone layer is healing? That's good news.

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