BrianT, as I said, I'm not particularly educated in financial markets, but that doesn't make me clueless, you arrogant pissant. I'm pretty observant, and expert in a number of areas of which you know nothing. But, more than that, I know my limitations and am willing to freely admit when I'm wrong.

If I were "clueless" I'd just take the Joe Sixpack attitude of dumping my savings in a mutual fund and allowing people to manage my money and charge me exhorbitant commissions, or even not having savings and relying on social security.

But true cluelessness is going around insulting people that you've never met, and assuming that because you have a specialists vocabulary in a particular area, that you are somehow superior to them.
Bob Ebersole