The financial markets are always fickle. However, I cannot say I am unhappy with the current situation, as my dollars buy a lot more than they did 4 or 5 months ago, prompting me to move some of my money into Inian rupees for my living expenses for the next few years and as a hedge against the inevitable decline of the dollar. It will be many months if not years before the world economies get back on track. India with its consevative fiscal policies and a growing economy will begin to attract Foreign Direct Investments again and the inflows will lead to a rise in the value of the rupee vs the dolar. Vivian