After flirting with the magical 20% barrier, stocks officially closed in a bear market.  What does this mean for the average retiree?  How long does the typical bear market last and how fast is the average recovery?  How should you have your assets allocated between different asset classes?   Also, find out which famous (infamous?) internet ad is mysteriously absent during a bear market and why it drives Dave crazy.  Tune in to hear all of this and more in the latest episode!