People do work in Banks ,they do have 2 blindersFrom the experiece I have had with with people working in banks, I can see ,they do not know much, , they look at their belly buttons, they are out of touch business wise, a year ago I took my wife to bank, we met guy responsible to invest to people trust the bank with their money, and I had list of companies, with big capitale over 60billion D, and I told him if I pass away I want you to look after my investments in these companies for my wife,and he didnt know any of those company, all he talked to me about air canada and bombardier, I was very surprise, my wife said tome its better I take care of the investments if any thing happen to you , I can tell a lot more, its better trust your self than the bank and financial advisors they are crook conners and thieves, Alibaba, the rest I leave it for you, dont put your head in sand. Marry Xmas Vinmick.