The theme of this programme is that just because something was best practiced ten years ago or 20 years ago, does not mean that it's necessarily the best practice to day now. And i believe we are into a new age with many more options for do it yourself investurs through e t f and no fee trading and fractional shares. But i will ve the rest of the answer for the next email. You can't handle the dogs and cats living together. Second off, second off, we have an email from anderson. He writes: What is something in the finance world you have anged your mind about in the past three years, ten years, 20 plus years?