People get so emotional with stocks, especially when they work for the company.

People found out they aren't as aggressive as they thought. For the majority of investors, they should be tweaking their portfolios more conservatively.

There are people right now who are postponing their retirement.

What does that tell you as an investor? It tells you that you've got to do everything you can to prevent the negative years, because they will knock the socks off of you.

The absolute necessity is diversity has to be in portfolios.

We are obviously extremely disappointed for Bobby at the outcome of the work permit hearing. However, I am confident that he will one day fulfill his ambition of playing in the top leagues of Europe.