I wish I had the "truth" as you put it. Rather, I would say that we/you and not "someone" should ask questions, make some connections, post some information that we can filter and further connect. We are all in this together and can come to  a greater understanding of our investment if we report information  and not blow smoke at eachother. The hate has got to stop because we learn nothing from it. And frankly, I want to know if my investment is sound as much as the next guy, not play playground monitor.