Where I work today we had a 401k educational meeting with some outside financial consultants. I decided I better not attend for fear of yelling at them. One of my friends came back and described it as "the 401k brainwashing session". They kept repeating the mantra that the market is going to bounce back, and urging everyone to stay in. And something about "if you miss the 10 best days of the rebound you could really hurt your total investment". Yeah, how about that 40% hurt in the past year?

I figure this is the kind of advice people are getting across the country unless they've been proactive enough to dig deeper and find sites like iTulip.