Excellent points, enjoyed it very much

Thank you, Craig, for all of your continuing work and dedication to the A4A community. Thank you also for updating your Excel spreadsheet on a regular basis as it has been very helpful to those of us who are utilizing it to its maximum potential. Today it was refreshing to hear you point out the fallacy of the term "lost decade" of the 2000's when all asset classes EXCEPT for US Large Cap made money. This is a typical mischaracterization by the media which you have exposed. Thank you.