What is not counted in any of their calculations is the loss from down time, which can be substantial.

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The music division again let the company down, stretching its loss to 5.6bn, slightly higher than last time around.

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Perhaps even more relevant, June is hands-down the worst month over a 10-year time frame, with an average loss of 2.3%.

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Since over time markets go up and down and investments benefit from compounding, a big stock loss is not nearly as significant a problem for funds benefiting children 10 years or more away from college.

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If things continue down this path, the decline will result in a steady loss of crucial scientific data during a time when, given the range of hard-to-predict effects from a warming atmosphere, it will be needed more than ever.

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