BLAMES SELF: Bob Gustafson, 55, of Loveland, Ohio, retired from Proctor & amp; Gamble in


January 22, 2002 at 12:00a.m.


BLAMES SELF: Bob Gustafson, 55, of Loveland, Ohio, retired from Proctor & amp; Gamble in June and saw a large drop in his savings since he was 100 percent invested in P & amp;G stock. Gustafson blames himself since he had opportunities to diversify his portfolio but didn't.