ExpierencedWith all due respect as when l read your posts they really do make sense .but l have to ask .You commented how most fund companies only care about sales and hire people with zero financial expertise , yet you stated that the Principles of the company you worked for were somewhat unhappy when you put the majority of your clients into cash .So does that mean you worked knowingly for a just another sleazy sales organization who screws their own clients to enhance their sleazy profits .So l might ask what made you so different or is it a,so ce you retired , that you had an epithomy or some regret for all your years in the market and are currently trying to be honest and forthright in truly helping investors on these boards.One other thing , you seem to be very selective in who you respond too, is that a holdover of some superiority complex and others of lesser standing in your opinion are not worthy of the Great Mans reply .