My question is who is "we"? As in: "We held TFC until the GFC...

My question is who is "we"?  As in:

"We held TFC until the GFC when it had to be sold due to margin loan constraints. Fortunately we made good money at the time, and fortunately we have not had to experience the value trap that has occurred since then".

Who owns the opinion, you or "we" @threebeez?

Define value trap.....some investors would suggest a modest capital gain of 5%, 10% and 20% is valuable....some manage much, much more....sans dividend.