On this day in 1995 the Dow-Jones index of 30 major industrial stocks topped 5,000 for the first time ever -- a good thing. But when youíre climbing a ladder, reaching or exceeding the top is a bad thing. When you climb a ladder, exactly where is the top? The top step isnít for standing. Anything above the second step can cause you to lose balance and tip over. And thatís the On The House tip for today.