No BS and still quite on top of everything here. Writing 1 mini-book now, the History of World Civilizations, in readable short bullet point-ish form. Way smarter and more educated than you. That's why I catch you in mistakes everyday. You never played the game EVER. I assume FM refers to financial managers. I was a securities lawyer for 45 years and represented multiple brokerage houses and investment banks, including Morgan Stanley, Goldman Sachs, Solomon Brothers, DA Davidson, Piper and Dain. I also resented some Private Equity firms. One of my best friends is the CEO of a brokerage/house investment bank now. I live in Missoula/Polson, was born and raised in MT, am upteenth generation, and my dad played a bit of football for the Griz. What are your credentials? You are younger, inexperienced, don't understand business and have no experience, and clueless. Talk are the loser. That's you.