It is not easy and requires a lot of active discipline and fortitude.

The evidence continues to suggest that we should work harder on being simple.

We do not know how long this current crisis will last and our prayers are with all who are suffering. From an investment point of view, however, we continue to suggest what we have written before.

An idea that may put both the industry and investors in a better position to form stronger, more lasting partnerships.

Reviewing what the data says and letting the chips fall where they may.

It seems like we have been continuing to have the same debates over and over for almost 100 years.