Well, got our recent statement in the mail yesterday and I almost I new it was not going to be pretty but I lost 12% in value over the last year! Now DH wanted to know - did we lose the governments or our own?? I laughed at him at first and then started thinking about it and he has a point - the government contributes 20%, so did we just lose the governments money? We have other RRSP's that come due in March and they have been riding the stock market for the last 5 years - I am sure they are worth nothing by now. Good thing we are no where near retirement!