Kinc...you exhibit some very bearish symtoms here...
your carefull,measured & conservative approach are impressive...
and those go nowhere commercials are mounting up...this time there is no "loose speculative funds for these...the risk - return equation does not compute...simple as that...
that old adage you quote is a classic bear trait...pounds will grow when the pennies are looked after...
maybe I have mis judged you in the past...all is forgiven