Haha a common response from someone that knows we're talking the truth but is yet unwilling to accept the reality of their situation. I have countless PMs from guys that finally saw the light and were thankful I saved them a bucket of money back when this was .03, then .0275, then, .025, then, .0225, then .02, then well you get the picture.
The good ol' stay and pray gang have taken a 75% haircut and still think they're the smartest guys in the room...it's hilarious.
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