@jholejindagi - I don't know the answer to your question, but I am curious to know why you are "going through this guilt". If anything, the earthquake showed us the importance of doing whatever needs to be done to remain in a state of strength (incld. financial strength). Just imagine what would have happened if the destruction the earthquake caused had been as bad as the predictions-- we would've been left with nothing. In the meantime, Americans would go on with their comfortable (relatively speaking) lives and many of us would become "illegals". Why? Just because due to some random chance we happened to be born in a third world country and they happened to be born in the most powerful country on earth? I know I am just incoherently rambling, but I am trying to tell you -- you have nothing to feel guilty about, if that's the primary reason you want to withdraw. If there are other reasons, I hope someone more knowledgeable answers your questions.