@SDD1232323@Awk20000 You're right, and that's one thing, but the deeper problem is that margins have gotten too thin, and market returns too fat. It's senseless to invest in a business where you make or do something useful when you can take your money and earn 5 to 8 percent (or more) in the market.
@BeauTFC First time I learned rule 303 from you, it was an "aha!" moment. Someone I trusted put what I had always been trying to do into a tidy sentence. It empowered me to engage more fully, and to spread the gospel. Keep on keeping on, @BeauTFC