The Dow closes down at almost 392 points or about 3.5% capping off several days of wild swings. What does this mean to the average person? Money analyst Troy Reinhart with Northwest Quadrant Wealth Management says the markets swings are a result of small investors who are nervous about the world situation, and problems in Washington. "Fear and greed are the same coin, just two different sides, and fear is a very powerful emotion. And especially small, individual investors will run with the heard. And that that made sense when you're trying to get away from saber-toothed tigers, but it doesn't when you're trying to run away from the market. And most people who sold into today, will probably rue to regret that decision." Reinhart says history does repeat itself, and in the long run, if you can just hang on to your investments the market will eventually right itself. He says seniors are probably the most fearful; because they are going to need that cash to live on, but if they can keep the investments intact, they will come out all right after time.