In this March 6, 2012 photo, Cheryl Friedman and her husband, Jim, pose for a portrait at their home in St. Louis. After taking a hit to their savings in 2008 and 2009, the retired couple pulled most of their money from stocks after the meltdown and have not put it back into the market since then. (AP Photo/Whitney Curtis)
Read the article: Market may be up, but the scars of 2008 are fresh
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