At the end of the bear market from 2000-2003, Jane's portfolio would be worth significantly less than yours. During this three-year period, the S&P 500 dropped by over 45%, meaning that Jane's portfolio would have been worth a fraction of what it was worth when she started investing. This is a great example of the importance of diversifying investments and having an exit strategy in place, as it may have helped Jane to minimize her losses during this period.