I am sitting more on paladins side of the aisle, and still have a window of patience, given COVID/BoM2 promise ... but I've only done a hard seven years. But frustration and disappointment are growing, and I couldn't fault anyone for bolting after doing a hard 10-20 year term ha ha. 

perhaps I am a glutton for punishment though, and honestly the only thing stopping me from buying more today, is that we might not be at the bottom yet, while the understandable bailing is rolling now.

yee haw