There was a book written about stock market advisors a number of years ago with a title something like "Where are all the customers yaghts?". the gist of the book was that the advisors did no better if not worse than the average joe blow could do for himself and that the only ones buying yaghts were the stock broker advisors. They get paid no matter you win or loose. If they have any faith in themselves they ought to do like Warren Buffett when he started his first partnership - didn't get any pay if he didn't make the partners any money.

John