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<Pixy's Motto: Ya makes your choices, and ya lives with the results!>

Pixy is extremely astute in this. IMAO, schools have been setting a bad precedent lately. They give make-up tests, and such. In investing, sky-diving, etc., there are no make-ups. You buy (or refrain from buying) stocks, and then you sell (or refrain from selling) stocks. You cannot take a makeup. Even less so once retired. As the guy said in Dr. Strangelove, "Total Commitment."
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