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Charlie,

I'm always happy to read and comment on your ideas. One of my responsibilities in my previous life was doing just that for a bunch of ego-driven doctoral-level engineers, computer scientists, and linguists who worked in my research center. Of course, I can remember the days when I was one of that bunch.

Although I indeed may be morally and philosphically lazy, what I was adressing was the narrow decision I've made about how to invest my portfolio, given my skill level and known uneven attention to details. I also need to devote time to financial planning for my 89 year old mother who will be moving into a resort retirement community here in the Santa Barbara area. She has a substantial portfolio that needs to be balanced between the goals of not reducing capital and staying ahead of inflation.

Good luck with your writing.

db
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