Covering their backsides with mandatory declarations that there are no guarantees and there is always a possibility that all could be lost and here is why......yeesh! Then from 17 on here is what we have on the go......imagine just getting into this investment and reading those first pages.......track record and knowing what has happened to date provides much solace. As posted before: The key to making money in stocks is not to get scared out of them. Peter Lynch. Now close your eyes and repeat after me," I'm a tortoise, I'm a tortoise, I'm a tortoise......"derekwpg