AN, that’s not what I mean at all. We’re all just sharing opinions here. Whenever I make a financial decision, I tend to spend an incredible amount of time researching it beforehand, and I don’t use leverage. While this has certainly caused me to miss some run-ups, it has also prevented me from having large losses. People are free to do whatever they want with their money, but they should not expect everyone else to have to pay for their losses when they fail (again, yes, that includes pension funds).