nothing to do with fear and dread for me, i still think product is good. just behavior that breaches my investing rules. I like to accept that I can get my call on products wrong, but limit that with hard rules - stop losses, distribution, etc.
getting 2 stupid and avoidable suspensions which prevent a reasonable portion of funds being liquid (and opportunity cost elsewhere), due to inexperience/ignorance breaks such a rule
I've held most since 6-7c or so anyhow
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