RE:conclusionI love listening to Bob and Bruce. It's on me to do my due diligence. I own only 4 stocks. All 4 have been talked about by either Bob or Bruce. I'm down on all 4, but Bob on Friday said that small caps have pulled back over the summer. Money will soon flow back into small caps. I'm not worried at all. These are my "home run shot". My 2 cents - have the majority of your money with a wealth advisor. Aim for an average 8% compounded annual return, but be happy with 6 or 7%. The rule of 72 should be your guide. The amount of time it will take your money to double given your rate of return. I still believe in Cielo.