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Let us start with an anecdote recounted in the Business Section of The New York Times on August 7. A money manager in Atlanta "hit the panic button" on behalf of two wealthy clients who told him to sell all of their stocks and invest the money in a somewhat insulated mutual fund. The manager said that, in 22 years of doing his business, he had never had such a request before. "This was unprecedented." The newspaper called this the Wall Street equivalent of the "nuclear option." It went against the sanctified traditional advice of a "steady-as-you-go approach" to swings in the market.