We are still under the lasting impressions of an excruciating month of October followed by nerve-wracking month of November. Neither Halloween nor Thanksgiving gave us any respite. While we are still clearing the wreckage, we must remind ourselves that we are investing in the financial markets for the long term. More importantly, the shocks of the past two months have confirmed that market consolidations do happen occasionally – actually every 12-18 months – and this was the