Nothing but the truth I agree 100% Kgem nothing wrong with being optimistic just don't invest with blinders on my father in law owned 5000 shares of lucent tech in his AT&T retirement package and my brother in-law still worked for AT&T when he and I were telling him to dump them when it dropped from $90/ share to $60 or so, he ignored us saying he would wait till it comes back up well he rode it all the way to ashes and lost a huge chuck of his retirement. Just an example but I will never forget his grave mistake, I might be helping in taking care of them due to his lack of reading and acting on warning signs.