JOE, Wise words especially your previous to this post. A good thing in HC as= You can get educated here if you can... money money money. Why is relevant directors not wearing direct responsibility as shareholders pay for? (Westpac?) Who will be the worse brainer, in US leaders, that would be hard to debate. Surplus anyone. A P?E of anything over 20, years to pay back Market Capital with profit, may need to be seriously considered speculative ? (my opinion) Is a healthy dividend on strong share price a thing of the past. So whom is putting on dress shoes and heading top in vesting at the casino (Indices) still, big players downplaying the precious hmm dyor