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Nothing more than a BAD DAY.

Byline: Helen Huntley

Feb. 28--Don't expect Shawn Berg to get excited about a 3.3-percent drop in the Dow. He was so busy working that he didn't even find out about the decline until it was over. When the news caught up with him, it didn't bother him a bit.

"I don't play it like a game," said Berg, 34, a software engineer at AT&T Labs in Tampa. He said his strategy is to make quarterly adjustments to his 401(k), which he keeps about 60 percent invested in stocks. "I'm in it for the long term."

That kind of measured approach wins the approval of Clearwater financial planner Ray Ferrara at ProVise Management Group. "If people are just patient," he said, "they'll be ...

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