Hi Andrew, thanks for stopping by. I had a look around your web site too. Critical thought and self-control are not that popular with the masses I fear. And yet, trying to teach people these tools is what made me write the book and what gives me a sense of larger purpose in my work. Thanks for the Morningstar article link, it is this type of "all is well, buy first and worry second" stuff that really gets my blood up. Why do we tolerate so many non-money managers throwing around glowing recommendations in the marketplace? Why do so many people listen to non-fiduciaries, salesmen and journalists for advice on their money? I know adults choose, and perhaps they deserve to suffer the consequences, but I still hate to see regular people get hurt time and time again. Keep up the good work.