That's 4 overwhelming example that you gave for CDIV, I'm sure there are MANY other people in similar situations. Yet many on this board don't understand the 4 example that you gave.
Instead their still "positive", but guess what..the ones that are so positive are the ones that got in the double zeros...they fail to consider probably 95% of the other people DIDN'T.
The kool aid is so f'n deep it's becoming pathetic.