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Just ask Tiger Woods, or Mark Sanford, or Elliott Spitzer, all of whom suffered widespread scorn when their "indiscretions" were publicized. Before their falls from grace, those men were on top of their respective worlds. And so it can be for the investor who stands on top of his own financial world thanks to wise investment choices, combined perhaps with a bull market and a certain amount of luck. When all seems perfect, that's the time to be on guard. The trip down can take less time than the trip up.