“It’s hard enough to estimate what will happen in the next year or 2, much less 10 years down the road.”
______________________

Thank you for reinforcing my general point. It’s all guesswork. That’s why trying to time markets is so difficult. Anybody who has a crystal ball and can see the future sure isn’t wasting their time on this forum. It’s fun to debate the “what if’s”, though, isn’t it?