Expect the unexpected..................................

     One of the most important lessons I've learned in the investment world is that stability breeds instability....Long periods of prosperity and success lead to greater confidence and to investors taking on more and more risk.  Because it has paid to do so in the past, it will presumably continue to do so in the future....economic shocks can occur at any time for no apparent reason, other than the fact that things have apparently been going right for so long.  Expect the unexpected.

-Gary Carmell,  The Philosophical Investor:  Transforming Wisdom into Wealth