Danielle, I invested money with mutual funds for year’s they never made me any money and lost huge in downturns. I now manage my own money and doing a lot better, thought still losing money in this bear market but made money in the bull market. Should have followed your advice to get out. The main things sales based advisor scare you with is inflation saying if you don’t invest money with us inflation will wipe you out, when they can wipe you out way faster with fee’s and bad decisions. What do you think of Canadian Banks? I see that they keep raising equity and not lending. Similar to the U.S banks a year ago. The real estate market in Canada is tipping over; if that intensity’s and the banks start to falter do you think the government will start buying pref shares similar to the U.S and wipe out shareholders? I know the government keeps saying the banks are strong, they also said we won’t go into a deficit but we did. They said they won’t tax income trusts but they did.