One of my personal hot buttons/issues with these forums is the inherent human trait/desire to show folks that we "were right"/how smart we are- although certainly guilty of that myself, I really try to keep it in check, as I have certainly been wrong as much as I have been right in Penny Land (see historical posts about this being a "net sum" game- you can actually be wrong more than right, as long as the $$ gains realized when right exceed the losses when wrong- much like a .300 or better batting average in baseball).