By the way, thanks for all the comments. One of the fun things about writing this blog is all the great comments I get, whether agreeing with me or not. Most comments are pretty well thought out, intelligent and very interesting. And I don’t mind at all when people disagree with me on anything. As I often say, Buffett and Munger, arguably the two smartest people on the planet often do not agree on things and they get along fine. Who am I to get upset with anyone that disagrees with me?