Good Morning Joe! I would like to relax and will do so if you can provide me with a guarantee that there will be no massive stock markets crash for say, the next five years. I was planning another trip to Mexico to blow a substantial portion of my market earnings on frivolous things and to get warmed up from our February weather. But since I've heard so much from you how cold it is down there, guess I will go further south, maybe visit friends in Nicaragua.

Who could not have confidence in Jim V. I am very impressed with his approach. However, unfortunately, we are all human and (should) put our pants on one leg at a time.

Best wishes to you and your lovely wife and to all UC investors.

O.F.