Psssssst.
Have you not seen what the Trust and FDIC have had to say? Because, ya know, those two are truly all that matter. Novice retail with a 16 year track record of never once being correct, might not carry as much weight, as say....the two entities with all the power... Does that make sense? Let's hope so.
Once one simply accepts what those in power have already clearly stated, reality sets in.
Good luck!