People who take on more risk than necessary for realistic financial goals because it's more fun, I leave to you.Loki, You have no way of estimating with any degree of accuracy what the future will be like. You're guessing, and you're hoping for the best. You can make that choice for yourself. But you have no right to make that choice for others through presuasion, just as I, in fairness, have no right to make the opposite argument. So the matter, as it always does, comes down to personality and temperament. Use faith-based numbers if you wish, but don't try to pretend they have any sort of objective reality. They are financial fictions just as much other things are literary fictions. You are arguing from very weak epistomological grounds. Hit the books and get back to me. Charlie
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