Question: At the time of publication, many investors had lost money on stocks and mutual funds because of an economic downturn caused by the banking and financial crisis. At the same time, many experts argued that this was a "real investing opportunity" because of the depressed prices for many stocks and mutual funds. Based on current economic and investment information available at the time you answer this question, do you think that it is a good time to begin an investment program? Justify your answer.