Red an observationAs not many owners can be bothered to post other than those who thankfully replied , good for them then let's continue with our investing tactics. One note is of late we both have been very respectful of each other , and that's a plus..Regarding your aversion to Mutual funds , l am on board for that as l dumped my salesman back in early 2009 , no regrets , like you when l made a mistake good or really bad , it was a learning experience , as good as going to University I. My opinion. .Now even you agree that ETFs can be a good thing , in my case not broad based S and P stuff but sector specific and l notice you are very light in the O and G sector , u usual since you are a dyed in the wool Albertan. You mentioned what has worked for you for 40 years and yes it did , but l will remind you of a post you made about an evolving Posting style , so if that is applicable and you are willing to adopt to modern techniques including a very good knowledge of computers , then why are you so entrenched in an investing style that seems not to evolve. In one ETF a utility one l own Telus as well as pipes other telecoms and power producers but regardless of a dividend of almost 14 percent , l don't put all my eggs in one basket.This next comment is not meant as a diss but you in the past have stated that rational thinking when it comes to investing is what's important , not ego and l might add that Storm with 11 million , , I can only clap and envy that performance has a substantial amount invested in Skyline and yes l know each to their own but into days fast evolving society good or bad and effects on the market , both nimble and somewhat diversified seems to be called for.Just my opinion from a guy in the backwoods worth 1 50 th of some others , and l applaud them. By the way Stormy if you would like to answer this , exactly what did you do in the real working world before you retired and as to spicy food , l to have a wonky tummy more often than not but l take the consequences as you can't Beat the Heat..