I would like to point out that the employees of banks, brokers and institutions who gave us the subprime mess are mostly still in employment and no longer able to have unsuspecting dupes to mark in with unheard of investment programs and will need to stop taking money that way, so to keep their way of life and bonus they will need to start taking peoples investments and equity to satisfy the primevil urges. But I digress, so I use my own mind and not the likes of investment gurus. I can lose or make my own money just as well, thank you very much.