Excellent post, did you write it all yourself? I will say this to all bashers... Stop trying to rain on everyone’s parade. You know the blessings of having our investment dollars grow so we may reap the rewards in the future is only half of the good feeling. The other half is watching it grow. Quit smashing our hope and aspirations! Would you tell a child of your own that they are worthless good for nothing pieces of trash? That is precisely what you are doing to others. Go away and be productive!