In the US, banks are prohibited by law from "loaning out" more than 5-10 times their actual cash deposits. So "endless," while an obvious exaggeration, is one explanation. No surprise you are "not getting any younger." Spencer's entire retirement is in GOSY and he tweeted recently that on his birthday earlier this month he turned 69. Isn't this why the RICO suit against Wallace et al? Who could be more impatient for GOSY pps to go up and stay up than the Spencers? They are majority owners- Just askin'-