I have heard that song and dance before about buying and holding. I guess with Buffett he can afford to give money back. At the end of 2007 Reits were tanking while I was cruising along at 11%. I moved everything to bonds. And as I said Buffett bailed on banks when he should have seen a recovery. For the past year no one was spending any money and BKs dropped by 38%. The banks clean up in 1q2021.