2/16    Is it a wash sale to exchange one large cap mutual fund to another?
        Or a small cap mutual fund to another?  (switch right away)
        \_ No.  It's a common technique when you've got a fund that's down
           to take the paper loss for tax purposes, while still maintaining
           your portfolio's diversification strategy.  Usually people do this
           at the end of the year, though.
           \_ thanks. will clean this up soon.