ExperiencedI listen intently to your 40 years of experience and your take on the market , but in regards to FTN , l respectfully disagree with your current position.There is no doubt the market is overheated when it comes to the new fad , Tech , just like a few years ago renewables and Hive .Possibly my take is at odds with you because our portfolio size is the difference of night and day.and while you maybe retired you still like to get on your feelings of the market.The rank and file nobodies like me are still in an accumulating mode , looking at the trend is your friend and capitalizing while the going is good.At this time l wouldn't invest in Tech , renewables or even utilities , though l do own a basket of utilities in an ETF but l am not convinced about now but perhaps a year from now when interest rates come down a few points and Justine is forgettable.For now FTN works , the banks have some catalysts , lower interest rates on the horizon , lower loan loss provisions , Oil on the move and with improved balance sheets and lower rates, the Coastal and the TMX and lower differentials , l think they will start spending again and bigtime .For this reason plus the NAV discount l think FTN is a great buy and hold, FOR NOW , you l know agree with only a fool or a liar claims to call the market bottom or top and considering the once 20% premium , and now a discount , l think we are all aware how fast investor sentiment can change , even in a week.I am sticking with all my FTN shares collecting that dividend and l expect a reversal in investor sentiment rather than an implosion and a desire to exit.As always , with the greatest respect Cheers , Skoll and especially Slanted.