Our goal is to cut through all of the hype and misinformation and provide the most comprehensive, easiest to use and effective methods that will produce healthy returns with a minimum of risk.

75% of actively managed mutual funds under-perform the major indexes. And going it alone without a good plan doesn't work either. Gut-feeling, emotional stock selection strategies offer little chance of obtaining superior returns. Rather they often result in lower returns and much higher levels of risk.

Often, the surest way to convey misinformation is to tell the strict truth

Bringing the goaltender 80 yards away from the goal isn't the easiest thing to do.

I can't complain about that. At least it was comprehensive and we weren't going away moaning that we were robbed.

In a nutshell, I think this is appropriate. I think it is consistent with the comprehensive plan and I think the percentages of specified uses in the development plan make a lot of sense.