The financial advisors at Institutions and several private places I have had the pleasure of listening to know but what they are told to know which is uaually very little of substance. I meet with a few only on rear occasion (ever more rear as time moves us forward) just to reafirm that I know everything and then more in comparison. In reality I know some things. Gives you an idea of what I think they know. With that said, the individuals I have known for many many years and see only rearly how days are/were good but only because I knew/know them and they know NOT to BS this investor. Old Joe PS: What some have to do or put up with just to earn their pay check???