Average investors are frustrated that the U.S. government is no longer among the world's most creditworthy, and fear Monday's stock plunge may not be the end.

And even though many suffered steep losses when the market tumbled three years ago, some now appear more willing to ride things out, figuring their portfolios will eventually recover.

The question is whether they'll be patient enough to stick with their plans. Any market rebound seems distant, given the spate of bad news about the economy, and debt problems here and in Europe.

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