Its crazy to me that people think its the telephone companies that need more regulations here and not the police. SWAT teams shouldn't be going in guns blazing on anonymous calls and any injury or death should be solely their responsibility. By all means try to prosecute the people calling in the first case for misuse of emergency services, if you can identify them, but we all know who pulled the fucking trigger. Police can't both get to decide that they get to selectively enforce the law and then take no responsibility when the injure or kill innocent people.
Like one of the other replies mentioned, when you get closer to retirement, more of the money should get shifted from stocks to more stable but lower return investments like bonds and such that are not affected by a stock market crash. Usually you can set a retirement age in the management portal of your 401k and the management company in charge of your 401k uses it as a guide to move the money into the more stable investments.