In a recent portcastyou you mentioned about not having enough liquid cash to re balance your portfolio in the markets cracked in 20 20. You also mention about the importance of asset allocation, rightso, as i understand, ascet allocation is one of the most useful, yet underrated, aspect of a person's financial life. How can one simplify that? We have thumb rules like hundred minus your age, all that kind of stuff. But how do you simplify ascet allocation for an dual so as set allocation? The role of equity is to give you long term growth. It's like muscl building. When maybe the markets are frozen, the global economies collapsing, whatever, we always recover