To Whom It May Concern, As a very new investor/trader, I am having a great deal of difficulty in discerning the direction of the market. For the first few months of my foray in the market, I relied on the information presented on CNBC but this began to appear to me as "sugarcoated cheerleading." I have searched for what I consider to be realistic points of view. Yours is one. Keep up the good work. Sincerely A grateful reader