good on you....you are smarter than the average bear....
(that saying was popular, long before the terms bulls and bears was the norm...it referred to teddy bears...I think...or animal bears...)
so bears dont take offence
I know what its like being up against the smarts...
financial planners are in for a torrid time...changes taking place....they had it too easy for so long...
some are similar to the used car salesmen ...not all of course
