of course you were correct, but UNTIL you WERE correct, it was still all just speculation like those of us who had high hopes for PCFG. There was a lot of debate a couple years back and I was part of it, too - actually it was kind of fun. Now we know the deal with PCFG and I'm not having as much fun anymore :(
I didn't lose more than 10K, but ended up in the doghouse for it - luckily my 401K did so well, my wife tends to overlook my mistake with PCFG.